late payments

[Anonymous]

I have late payments with 3 different creditors. I sent GW letters and been denied. The last denials came from the corporate offices.

At what point can the lates be deleted or excluded? Also when do they stop having a negative impact on scores? I listed the lates below.

Verve

30-Nov

60-Dec

90-Jan 15

30- Feb 15

Fingerhut

30-May 15

60-Jun 15

Santander-its a paid and closed account since 2013

8-30 days

10-60

1-90

Thank  you in advance

[Anonymous]

Lates remain on your report for 7 years.  From what I understand 30/60 day lates really only impact your scores for about 2 years while 90+ day lates will impact your scores longer.  Regardless, they are visible to anyone for 7 years.  All you can do is keep sending out GW letters and hoping you get one into the right set of helpful hands.