@joeyinc wrote:I know this is long shot , but I heard this from a friend. That in some cases it is possibe to get your late payments removed if you just pay everything off. I have only one account with major late payments on it and that is hurting me a lot
That would be awesome if it worked. I have three or four cc with $0 balances and they still show lates from 2011...I also have an auto loan that was paid off in 2009; still showing mucho lates from 2008. UGH!! You could try to send a GW letter requesting removal of lates since you paid it in full and haven't been late in a while.
Its worth a try...good thing is, it may take a while, but those lates go rolling off and have less impact on your score as time goes by. Keep at it!
012019 Fico8/Mortgage Score: 
