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hey do you have serious delinquencies on your credit report and what I mean by that 30 days Tuesday 90 day 120 day latest on your credit report you got to do this right now so heres the gameplay heres what you want to do and you have multiple late payments on one account what I mean by that is a 30 day 60 day 90 day on just one account you need to focus on removing that account versus removing those late payments because its gonna take you a very long time trying to remove all those late payments rather than just removing the account off your credit report so youre probably wondering how so click the link in the description watch the video on what to do next