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hey whats up guys you guys requested that i teach you how to remove late payments here we go get ready top left corner youre gonna youre gonna put the date underneath that your full name address your date of birth and the last four of your social okay underneath that youre gonna state this is a request for removal of inaccurate items that i found on my credit report underneath that youre going to write to whom it may concern equifax transunion experian whoever it is youre going to write three letters okay um i am requesting you investigate these inaccurate items on my credit report underneath that the next line youre going to state these late payments are reporting inaccurate youre going to list all the accounts with their name and the creditors name underneath that okay youre going to write please remove these inaccurate late payments immediately thank you for your time and attention and i will expect your response to arrive within 30 days put it in an envelope with a copy o