need help or guide how to request to remove late payment

[Anonymous]

Hi everify one , Happy to let you know thank to all your help i was able to remove 4 collections with paid for removal =)

I need help late payments :

Capital One Settled—less than full balance before going to collection shows 120 days late 7/05/2012 , now no late payments almost 2 years I have 3 capital one credit card one secure and two unsecure Capital One silver is now $1500.

Does removing late payments help you credit ? can i request Capital One to remove 120 dyas late on 2012? 

Status as of Jul, 2009 Hsbc Bank Usa/National A and Hsbc Taxmasters 120 days late, I paid t them on 2009. 

Wf Financial Cards Charged off as bad debt i paid the collection on 2013 and removed from my report. Can i ask WF to remove it ?

Removing this 4 negative helps ? 

Please advise 

[Anonymous]

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@Anonymous wrote:

Hi everify one , Happy to let you know thank to all your help i was able to remove 4 collections with paid for removal =)

I need help late payments :

Capital One Settled—less than full balance before going to collection shows 120 days late 7/05/2012 , now no late payments almost 2 years I have 3 capital one credit card one secure and two unsecure Capital One silver is now $1500.

Does removing late payments help you credit ? can i request Capital One to remove 120 dyas late on 2012? 

Status as of Jul, 2009 Hsbc Bank Usa/National A and Hsbc Taxmasters 120 days late, I paid t them on 2009. 

Wf Financial Cards Charged off as bad debt i paid the collection on 2013 and removed from my report. Can i ask WF to remove it ?

Removing this 4 negative helps ? 

Please advise 

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Yes, removing late payments helps.  Yes, removing this 4 negatives would be significant if they are completely removed.  

Send in a GW letter to Wells Fargo also.  

[Anonymous]

Thanks for the reply, I will mail GW letters Monday 

[Anonymous]

Just had success in removing about 12 90 day later from GW. Score jumped 28 points on ex. Can't wait to see what the others jump too!

[Anonymous]

Congratulations! What a remarkable accomplishment! 28 points wao  Well done.  I hope i can get the 4 removed from mine. Experian only has two, Do you have good template ?  

[Anonymous]

Just got an alert up only 9 points eq. My fico said only trans Union was reporting the lates, yet experian had them too. Hopefully trans Union has a good jump. What's a template?

[gdale6]

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@Anonymous wrote:

Congratulations! What a remarkable accomplishment! 28 points wao  Well done.  I hope i can get the 4 removed from mine. Experian only has two, Do you have good template ?  

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http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680