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if you have negative items on your credit report and you want to remove them as fast as humanly possible and increase your credit score youre going to want to pay attention for the next 50 seconds watch this video to the end because if you find these inaccuracies and violations you can use them to remove your negative accounts if the credit bureaus are reporting different dates last paid this can actually change when this account naturally falls off to speed an account and they did not put the required notice to dispute within 30 days in the comment section now thats a violation inconsistent late payment history all three bureaus are required to report each late payment on the same month wow what a concept right First Data delinquency this date stipulates when your account is naturally going to fall off your credit report so if the bureaus are reporting different dates the accounts going to come off on different dates balance reporting on a transferred or sold account late payments