Credit repair-Late payments

[ron52]

I have several late payemnts with a creditor for whom I paid in full! What steps can I take to challenge these late payments:eek:

[CreditCrisis]

dispute the late payments. if you have proof provide the proof

[94B]

Originally Posted by ron52

I have several late payemnts with a creditor for whom I paid in full! What steps can I take to challenge these late payments:eek:

Is this an open or closed account? How old are the lates? And also how many is several???

The answer to your question depends on what your overall goal is. If your goal is a clean report then yes disputing the tradeline would be the step, however be aware that there is a chance that you may lose the whole tradeline instead of just the lates.

But if the goal is to keep the TL especially if it's an older account and therefore the age of the account may help you in the long run with the removal of the lates, then sending out a GW(goodwill) letter is the better option.