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john ulzheimer is known as one of our nations most recognized credit experts having worked for 28 years in the credit industry john has become one of the most prolific speakers about credit and the go-to authority on answers to credit-related questions credit countdown with john alzheimer hello my name is john ulzheimer i am a consumer credit expert got almost 30 years of experience in the credit industry i have spent time at fico which is the company that designed and designs and develops the fico credit scoring system and equifax which is one of the three generally recognized credit reporting agencies in the united states and so todays question has to do with credit repair and the effectiveness of credit repair relative to late payments so specifically can a credit repair company remove late payments from your credit report so before we dig into that lets talk a little bit about what is credit repair credit repair is actually a verb it is a process its a process whereby a company