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all right so you guys have been asking me about how to remove late payments from your credit report and how to remove an account because of the late payments now thats exactly what were going to go over and youre going to want to make sure you stay till the end of this because not only am I going to give you the key to removing these but Im also going to tell you exactly how to dispute them now if youve never been to my channel before I have over 1200 videos that break down the exact way to legally and permanently remove your negative items and guess what they go back nine years yes Ive been doing this for a very long time so you can go and check those videos out and make sure that you subscribe so that you can increase your credit score remove those negative items and move on with your life alright this is the same exact process that I used on my husbands credit report and I got him approved for over 1.5 million dollars in less than 11 months and you can see that video right he