Hi everyone. I recently ( within the last year ) have had 2 30 day lates to seprate accounts. One is a school loan to Sallie Mae and one is a Car payment to Honda Finance. What is the best coarse of action to try and get these off my credit report? My scores were in the high 600's and now they are in the mid to high 500's this stinks. I also just paid off two credit cards that had balances of 9000.00 combined so that should help once it reflects on my report right? I just need to get these two 30 day lates off . Any help would be appreiciated. Thanks.