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hey everyone today I wanted to talk to you about removing late payments from your credit report 35% of your credit score is actually made up of your payment history so if you have any late payments on your credit report those things really need to go if you want excellent credit that leaves you a few options to get rid of them so first of all you can wait 7 years until the credit reporting time limit elapses for those payments but for most of us we actually want to do something with our credit within 7 years like get a credit card buy a house take out a loan buy a car when your credit score really needs to get improved quickly not within 7 years alright so the second option that you have to fix your credit score is to use a credit repair company this is an option that a lot of people use but some people who are in the position that they have bad credit theyre also not in the greatest place financially so they probably cant afford to pay these credit repair companies 80 plus dollars
