How long does late payment history remain on a credit report?
Late payments will remain on a credit report for 7 years from the date the late payment was reported to the bureaus.
How seriously does late payment history affect a credit score?
Severely! Late payments, especially those in the last 6 months, account for about 35% of a FICO score.
Can you permanently delete late payments?
Yes. Keith Middlebrook can permanently delete your late payment history so long as the account is not currently delinquent. If you are currently past due on your payments, they will need to be caught up on before work can be done. Once Keith Middlebrook has completed his work, the account will show a perfect payment history.
How long does it take to remove late payments?
Keith Middlebrook can remove late payments in as little as of 5-7 business days. See the “Timing” section at Overview page.