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okay so you have late payments on your credit report it is not the end of the world but youre going to want to make sure that you not only watch this short but also check out the video that I just posted down in the description where I give you this entire process all right but the key to removing your late payments is understanding that outside of the data Furniture actually Furnishing to you the consumer a copy of their bank statement not your bank statement with them but their bank statement proving when you paid or did not pay on time anything outside of that is hearsay okay keep that in mind when youre disputing because they will come back and tell you hey its been updated its verified its correct its accurate its all hearsay okay if they do not provide that documentation to you then it hasnt been legally verified and they need to either a remove the late payments and again I tell you exactly how to do it down in the description or B remove that entire account but outside