Late Payment History

[Anonymous]

Those two accounts are the only one "open". I set up a 3rd debt management account to start paying it down.My credit card utilization was at 83% with A soft pull of a 620 FICO Vantage 588z I have since paid some debt down and paid off a collection. I didn't want to run my credit since I'll be trying to lease a new vehicle in a couple months.

[Anonymous]

Also using a service to remove my missed payments a month or two before leasing a new vehicle...is there any chance that could hurt my score?

[RobertEG]

If the credit repair organization is filing disputes as part of their atttempt to remove, then yes, a pending dispute can temporarily effect scoring.

However, if they are only shooting out GW requests, they wont affect your credit report/score.