Late Payments Explained:
When you don’t pay your monthly bills within 30 days of the due date they will mark your account as late and report it to the credit report bureaus. As a result, this process can cause your credit score to decrease between 50-200 points on average.
How We Help:
We help you by disputing these late payments off of your credit report. Late payments are the result of not paying your bill at the scheduled payment date. We work to dispute your late payments with all 3 bureaus.
- Online Disputes
- Mail Disputes
- Phone Disputes
We dispute everything initially all online to expedite your late payment removal process. We dispute each late payment on all 3 bureaus so we can ensure that each inquiry is completely removed from your credit report.
We also do mail disputes to coincide with the online disputes to add additional documentation to your disputes.
We coach you on how to dispute your inquiries over the phone which can speed up your inquiry removal to be as fast as 24 hours.
How Will You Be Able To Keep Track of Everything:
All disputes are done online initially not including Experian. They do not allow online inquiry disputes. However, you will be able to see your disputes on the Transunion and Equifax website. For Experian, we will need to call in to get updates.
How Long Does It Take:
Inquiries can be as fast as 24 hours but they can also take up to 30 days. Most of the time they are removed within 2 weeks.
Important Info Before You Order:
For multiple late payments, you need to add the equivalent amount of late payments you want to be removed to your cart. Meaning if you have 10 late payments then you need to make sure you add 10 orders to your cart. Every late payment you add to your cart covers all 3 bureaus so you don’t have to add the same late payments 3 times for all 3 bureaus. For example: if you have a late payment from Capital One we will remove the late payments off of all 3 bureaus. So you only need to add more late payments to your order if it’s an additional late payments from a different lender or creditor.