Winning12 wrote: ↑Mon Aug 14, 2023 10:54 pm
Slabenstein wrote: ↑Mon Aug 14, 2023 12:51 pm
If the late payments are accurate and the account is your responsibility, then the only way to remove them is time. If you want to share more about your profile, the posters here should be able to advise if there is anything else you can do to work on your score in the short term.
Late payments were in March 2022, April 2022, and April 2023
People have told me letters of good faith work therefore I wont have to wait 7 years?
I did forget about the good-will saturation technique, but that's a very YMMV thing, imo. What results you'll get will depend on who your lender is, who actually reads your letters, your tenacity, and your luck. I think a lot of rebuilders here and on other forums have really great success stories from using this technique, like BBS above, but there are also a lot for whom a dedicated GWS campaign didn't result in removal. It doesn't cost you any more than the time it takes to write the letters and the postage (if you use snail mail), so there probably isn't much reason not to do it if you're trying to clean up your reports. But I wouldn't go into it with the expectation that the lates will be removed. (I work at a lender, and I can tell you that the overwhelming majority of goodwill deletion requests go nowhere.) If you do get some goodwill, then that's great, and if you don't, you at least tried and you're not worse off than you were before.