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whats up everybody colin matthew here and in todays video i wanted to go over how i successfully removed a 60-day late payment off of all three bureaus on my credit report from capital one if youre trying to get rid of a late payment youre probably looking to do it because youre trying to get approved for a house a car or a credit card of some sort and you know that late payments can really hurt your score in fact if you had no derogatories at all your score is probably around 700 plus and one 30-day late payment can drop your score upwards of 110 points so how does it work guys you might have heard of the fair credit reporting act if you havent basically its a set of laws and rights that we as consumers have that we can leverage in order to take care of our credit and one of those is basically we have the right to dispute anything on our credit report and it must be removed if it is proven inaccurate incomplete or unverifiable now one thing i will say is dont just come out bla