I have a bunch of late payments for CC's and Car Loans listed on my credit report. If I were to dispute those late payments online with Equifax, what are the chances are that they will go away? Also, how long does it normally take to get those removed?
Late payments can be difficult to remove. I would first try a goodwill approach via written communications to the creditors directly. Go to your Secretary of State's website and try to find an officer within the company or search around on google. Out of those that don't respond, dispute those through the credit reporting agencies. Target data fields which don't add up. Do this in writing so as to keep a record. Finally, ask for verification of the late payments. At Apex Credit Services, LLC, this is our basic model and it works fairly well.
