I make $300km per year but certain judgments and late payments have killed me. For the last four months I have been rebuilding my credit and paid all bills on time,. I also fully paid off the 2-3 collection accounts I had......in full. I am now up to date on all accounts that had been derogatory because of ther late payments.Howeber, how do i remove then remaining late payments that were paid by me,,,,,,but paid lhjjate?