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    <title>topic Need help in fixing credit in General Credit Topics</title>
    <link>http://ficoforums.myfico.com/t5/General-Credit-Topics/Need-help-in-fixing-credit/m-p/1637298#M166943</link>
    <description>&lt;p&gt;I make $300km per year but certain judgments and late payments have killed me. For the last four months I have been rebuilding my credit and paid all bills on time,. I also fully paid off the 2-3 collection accounts I had......in full. I am now up to date on all accounts that had been derogatory because of ther late payments.Howeber, how do i remove then remaining late payments that were paid by me,,,,,,but paid lhjjate?&lt;/p&gt;</description>
    <pubDate>Thu, 11 Oct 2012 08:32:16 GMT</pubDate>
    <dc:creator>mjr24</dc:creator>
    <dc:date>2012-10-11T08:32:16Z</dc:date>
    <item>
      <title>Need help in fixing credit</title>
      <link>http://ficoforums.myfico.com/t5/General-Credit-Topics/Need-help-in-fixing-credit/m-p/1637298#M166943</link>
      <description>&lt;p&gt;I make $300km per year but certain judgments and late payments have killed me. For the last four months I have been rebuilding my credit and paid all bills on time,. I also fully paid off the 2-3 collection accounts I had......in full. I am now up to date on all accounts that had been derogatory because of ther late payments.Howeber, how do i remove then remaining late payments that were paid by me,,,,,,but paid lhjjate?&lt;/p&gt;</description>
      <pubDate>Thu, 11 Oct 2012 08:32:16 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/General-Credit-Topics/Need-help-in-fixing-credit/m-p/1637298#M166943</guid>
      <dc:creator>mjr24</dc:creator>
      <dc:date>2012-10-11T08:32:16Z</dc:date>
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    <item>
      <title>Re: Need help in fixing credit</title>
      <link>http://ficoforums.myfico.com/t5/General-Credit-Topics/Need-help-in-fixing-credit/m-p/1637362#M166944</link>
      <description>&lt;p&gt;Hello and welcome to the forums.  I would invite you to visit our rebuilding thread. &lt;a target="_blank" href="/t5/Rebuilding-Your-Credit/bd-p/rebuildingcredit"&gt;http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/bd-p/rebuildingcredit&lt;/a&gt;  Here you will find a wealth of information to help you.   You might want to do a little research before you begin so I will put a couple links below for you to read up on and get started.  Good Luck!&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;a target="_blank" href="/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458"&gt;http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458&lt;/a&gt;&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;&lt;a target="_blank" href="/t5/Rebuilding-Your-Credit/What-Steps-Do-I-Take-Do-I-DV-PFD/td-p/337142"&gt;http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-Steps-Do-I-Take-Do-I-DV-PFD/td-p/337142&lt;/a&gt;&lt;/p&gt;</description>
      <pubDate>Thu, 11 Oct 2012 12:15:32 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/General-Credit-Topics/Need-help-in-fixing-credit/m-p/1637362#M166944</guid>
      <dc:creator>Shogun</dc:creator>
      <dc:date>2012-10-11T12:15:32Z</dc:date>
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