I currently have two credit card accounts showing late payments and I would love to have them taken off my record if possible. One is a Sears/Citibank mastercard and the other is a Capital One mastercard. Both cards currently have a zero balance. The sears card shows a 90 day late payement because I was on deployment and my auto payments stopped for some reason. Account was closed by creditor, but I paid the ~$200 balance when I found out there was a problem. The Cap One card shows a total of 5 30 day late payments over the last few years, which is due to them not allowing me to set up an auto payment and me sometimes forgetting to log in and make a payment. Should I contact the creditors directly to discuss getting these removed, or should I be talking with the reporting agencies?
call lexington law firm they will do it for either 79. or 99 a month the 79 would work for just the late payments