Hi, kaylord, were these valid lates? In other words, did you actually incur them?
It's against the forums
Credit Repair Discussion Guidelines to advocate or discuss the removal of legitimate negatives, other than via the GW/ PFD route.
You're on your own on this one, I'm afraid. Thanks for (I hope) your understanding!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007