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[gdale6]

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@Anonymous wrote:

Thank you!  I should be able to do that in the next couple weeks.  Also, what is the deal with early exclusion of late payments?  I am in current standing with all of my accounts and have been for a few years.  What would I need to do to get an early exclusion?  Is that what I ask for specifically?

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There is no early exclusion of late payments on accounts brought back to positive status, early exclusion applies to COed accounts. You would call the CRA or write them a letter asking for it.

[Anonymous]

So, there's nothing I can do about the late pays that show up?

[Pway]

I would immediately terminate ll services.  There is a ton of dispute letters, and they are found here in the forums. 

[gdale6]

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@Anonymous wrote:

So, there's nothing I can do about the late pays that show up?

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http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680