https://ficoforums.myfico.com/t5/Credit-Cards/Credit-card-late-pays/m-p/343765#M115885 <DIV>Basically, your best bet is to start writing goodwill letter. There are many listed in the forums that you can use. Negative items on your credit report will remain for 7 years, so if possible you want to work on getting those removed. You may not have much luck at first, but keep trying. Good luck!</DIV> Fri, 19 Sep 2008 08:37:43 GMT islandchild82 2008-09-19T08:37:43Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-card-late-pays/m-p/343678#M115847 If I have numerous late pays on old credit cards that occurred back in 2007 and beyond. How do I go about removing this or educating myself around the process by which these erase. Please help me out, I'm a struggling student and have a 574 credit score!!! Thanks for you .02 cents. Fri, 19 Sep 2008 03:37:55 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-card-late-pays/m-p/343678#M115847 Anonymous 2008-09-19T03:37:55Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-card-late-pays/m-p/343690#M115850 <DIV>Send them GW letters, it worked for me and I have had lates removed completely.</DIV> Fri, 19 Sep 2008 03:58:39 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-card-late-pays/m-p/343690#M115850 Anonymous 2008-09-19T03:58:39Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-card-late-pays/m-p/343765#M115885 <DIV>Basically, your best bet is to start writing goodwill letter. There are many listed in the forums that you can use. Negative items on your credit report will remain for 7 years, so if possible you want to work on getting those removed. You may not have much luck at first, but keep trying. Good luck!</DIV> Fri, 19 Sep 2008 08:37:43 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-card-late-pays/m-p/343765#M115885 islandchild82 2008-09-19T08:37:43Z