how long do late payments stay on credit report? I have some from 2005, when will they drop off?
Hi and welcome to the forums.
Each late will fall off 7 years from the date of occurence. If you had lates in 05 they will come off in 2012.
Another option is to send a good will letter to the creditor and ask if they will remove them. You can search on the forums for a sample. Make it yours, grovel if need be.