In this informative webinar, viewers will learn what their credit score means, how to improve their credit scores, how to obtain a free copy of their credit reports, how to read Equifax, TransUnion and Experian credit reports, and how to dispute inaccurate information appearing on their credit reports.
ABOUT CONSUMER LAW GROUP:
Consumer Law Group, LLC, is one of the premier consumer-oriented law firms in Connecticut. We serve as advocates and champions for the rights of consumers. Our firm’s founder, Daniel Blinn, has practiced law for more than 25 years, and has earned a reputation as one of the state’s leading consumer advocates and educators. Together with associate attorney Hailey Gallant Rice and our highly efficient staff, we are recognized for our commitment to delivering the highest levels of representation and client service at each point in the legal process.
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DISCLAIMER: This video is for educational and general information purposes only. It should not be considered legal advice, and it does not create an attorney-client relationship.
Attorney Daniel S. Blinn is responsible for the contents of this video. ©Consumer Law Group, LLC 2014.
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How to remove a late payment from your credit. Late Payments can harm your credit report for up to 7 years!
Learn how to remove lates from your credit, for good. Your Credit Score is the most important factor in your financial future. Your Credit is used when you apply for a loan, car, job, cell phone and even when you rent a car! So it’s important that you know the tips and tricks to improve your credit scores.
How to Remove Late Payments From Your Credit Report:
1) Always check your Credit and Have a Credit Monitoring Account, here is the one that I personally use: http://bitly.com/CheckMyCredit
**It’s better to deal with Late Payments on your Credit Report sooner rather than later. The longer you wait to try and remove the late from your credit, the harder it will be. That’s why credit monitoring is so important.
2) Start by Calling the Bank or Creditor that is reporting your account late to the Credit bureaus – ask to speak with a manager and work with the manager to try and have the late payment removed. They are paid to say no, do just be persistent.
3) If the Manager says no on the phone, then you will want to write a Good Will Letter to the Creditor. You will ask them nicely to remove the late from your credit, don’t be aggressive or act like this is a dispute letter. This is where we are nice about it.
4) If the Good Will Letter Didn’t work, now it’s time to get Aggressive! I want you to dispute the account (in writing) with all three credit bureaus and directly with the original creditor.
*Why you should NEVER dispute Online: https://youtu.be/3jtNludKRlE
I hope this information was VERY helpful in your attempt to remove a late payment from your credit report!