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in this video Im going to walk you through step by step how to remove late payments off your credit report this is exactly how credit repair agencies do it themselves so follow this video so you do not have to pay for someone else to do it for you lets break this down as simple as possible so you can start taking action today to get these late payments removed off the report it is important to note that your credit score is made up of five credit factors and the biggest factor is payment history which makes up 35 of your score Im sure youve noticed if you ever missed a payment on your credit report your score drops dramatically 80 to 100 points the reason for that is is your credit score is basically summed up to creditors and lenders by How likely is this person able to make these payments on time for the next 90 days they care about you paying them back also the most recent activity that is happening on your credit report affects your credit the most so the late payments from the