should I request validation of information on late payments

[Anonymous]

I am working on my Husbands credit. His score is 721, trying to get it higher and the key factors for that score is says high balance on cc and late payments/ delequency

I have since paid down all cc to 30% or less and next month plan to have all paid off but 1 with a small balance. Here is whats showing up for late payments. I am concerned if I should challange these. Will it hurt any or help any.

The first is an cd loan which was NEVER late it was auto drafted and since this bank has closed/ bought out  There are also a lot of u for unknow 

cpb last reported 3/14/12

        opened         3/28/07

        date last pmt 2/1/12

        late 30 days 12/1/10

next is conns

last reported 2/1/09

open          2/1/05

closed  11/1/08

date last pmt 11/1/08

late 9/08. all other dates show a U for unknown.

Can these 2 accounts really be holding him back?

There are also some inquiries on his report

we were car shopping and rv shopping but had financing already approved and it looks like the car dealership and the rv dealership ran it without our permission.

How do I get this removed if its possible.

Any advises would be greatly appreciated.

[Anonymous]

Getting the UTI% in ideal range will probably yield more points than the 30 day lates getting removed. I would start trying to get the late payment removed with an early exclusion (6 month TU, 3 month EX and EQ).

You could dispute the other 30 day late with the CRAs, but you run the risk of the account being completely deleted, which could adversely effect AAoA. Personally I would go for the clean report if I could get it now.

[Anonymous]

Do I just write cra asking for early exclusion of late payment? I do not want to remove the trade line Completely just remove the late payments. I did try to research Early exclusion but was confused. Thanks

[Anonymous]

Only the 1 from conns would be with in the exclusion date. Is that correct? What would happen if they can not verify the cpb since they filed bankruptcy? I don't want it removed all together.

[Rebuilding69]

Whats the AAoA at?

[gdale6]

The early exclusion can only be used on COs, CAs and PRs, it cannot be used on individual late payments on an account that is paid as agreed, these lates will drop at the 7 year mark until the account becomes a total positive.

[Anonymous]

The oldest active thing I have is my Mortg and it's been on there since 2000.

[Anonymous]

Is that what your askin aaoa?

[Anonymous]

Is that what your askin aaoa? I don't see my aaoa on my report