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if you have late payments on your credit report and youve tried getting them taken off but they wont come off im going to tell you the surefire way to get them off first youre going to go to the cfpb website this is a government website consumerfinance.gov youre going to click submit a complaint theyre going to ask you what its about youre going to choose credit reporting credit repair services choose that one youll see it right there now theyre going to wonder why select that one improper use of your report now theyre going to ask you to describe what happened in this box im about to give you what to put in there screenshot this text exactly as i have it copy it and put it in that box