Hello friends! Credit repair is going really well. The answers here have literally changed my life! So I have another question. I have an acceptance now account I want to remove. Here's the caveat, it is not a charge off and was never in collections. I had an account with them previously for grossly overpriced furniture but when your credit sucks (used to suck) and you suck (used to suck) at making financial decisions, this is where you land for handouts. Anyway. I paid my first purchase off with perfect payment history over the course of three years. Then I bought another set of furniture and paid that all the way off with perfect history up until the last, you heard it LAST PAYMENT DUE. Husband lost his job and it was just one of the many things we tried to juggle. So they didn't chargeoff the account because it was so odd based on the history. The regional manager called and we happened to have the money available that week because #NewJob #FirstPaycheck they were really nice and we paid that last payment (it was literally only $184). So then the payment history updated and account closed in current standing. But those late month killed my score. I was in the high 400's in March and now I'm at 663, 657, and 616 FICO 8. I am wondering if anyone has advice on how to get the late payments removed or the tradeline removed completely on the second account with them. I tried calling about 2 months ago but they were like "sorry we dont do that" and that was it. So any ideas I am wide open for advice!
