I just got my credit report and boy I didn't realize how bad it was. I have several questions regarding credit repair. 1) How do I go about removing late pays? And if it comes back verified what is my next step? 2) Should I contact the creditors to ask them to remove the late pays? 3) Can you remove multiple addresses? 4) How often should I dispute things? Any help would be greatly appreciated. I am sure that I will have more questions after I get more into it, so any suggestions would also be appreciated. Illini
