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hey guys today were gonna talk part two how to remove late payments from your credit report the first video I did I talked about a consumer law that would facilitate the deletion of your late payments any type of late payments that are showing up on your credit right and so I wanted to bring you guys back here kind of refresh what we talked about in the last video and its law 15 us code 1666b timing of payment so basically um I advise you to use that law send a letter handwritten letter to the creditors or the credit bureaus and demand them to take it off however if theyve responded back saying that they cannot remove it or for whatever reason they just cant do it theres a part two to this okay so what you want to do is you want to take it up with another level and talk to the credit bureaus and file a complaint with the cfpb were going to use a different law that also is in conjunction with this particular one that I just mentioned so lets go right into it this particular law i