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okay welcome to the next part this video is is a part of the series of videos on how to properly and effectively dispute your credit accounts to increase your credit score now this video particularly were going to talk about how to handle uh those late payments that are being reported on your credit score okay now like as I was talking about in the previous video uh if you had done this in step one and two you had gotten the official credit reports then this is where it is going to be uh the time we pull those credit reports out the official ones I told you and how I told you how to get those in advance in part one and part two I should explain the process of how to get those official reports youre going to need those in this video otherwise youre not going to be able to follow along and youre not going to be able to effectively repair your credit okay because we have to look for discrepancies in the payment history and those if you got a try merge report or a Credit Karma report y