Use this if your trying to get a late payment removed on a OPEN accounts. Attached is also an already formatted letter. This can be use on any credit bureau! Date Creditor Name Address City, State and Zip Re: Account # (Late Payment) Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date(s): (enter late payment date _/_/_ (enter late payment date _/_/_ (enter late payment date _/_/) It is my understanding that per 15 USC 1681(a)(2)(A)(i), my consumer report should not contain information solely as to transactions or experiences between the consumer (me) and the person (you) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures (according to 15 USC 1666(b)) that you have adopted to ensure that each periodic statement is mailed to me (the consumer) not later than 21 days before the payment due date. Include also, all the information required by Section 1637(b) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you cannot verify the late payments on the dates specified above (lacking reasonable procedures to ensure the accuracy of my account) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies’ (Equifax, Experian & Transunion or all that apply) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Originally submitted on 07/24 to TU using initial sweep with POL letter, and it was denied and closed. Ok boom, Submitted 08/16 using second method and I called because CFBP hadn’t updated on any results and the rep told me my items were removed on 08/23( date in left hand corner) and I should be getting a letter soon confirming the deletions! That call was on 08/21, two days prior to me receiving the letter ! 💪🏽 The method work!

@Joy Abah @Jaleesa Fisher @Keisha Gideon Good morning ladies! I wanted to check in to see you have any questions about the community and if there’s something you need more clarification about.

My backoffice support student used the online disputing method to attack her inquiries then boom 💥 7 deleted in 4 days! 🙌🏽 This process takes: ✅1. less than 30 mins of your time ✅2. No phone calls, dispute online then wait ✅3. Mail your letter certified 💎When you are deleting inquires, collections or anything from your credit report, you’re opening up doors for more growth, credit score increases, room for new credit and UNLIMITED funding options. It literally doesn’t take alot of time to get this done , but you do have to do the work that is WORTH IT! The 24-hour removal guide will help you with getting this done quickly and efficiently! 👉🏽Or if you don’t have time, we can help with getting them removed but I prefer you to do it so you can learn in case it happens again you know and have the resources to get them removed on your own!

Here is a step by step breakdown of how you can use Kik Off to dispute late payments from Equifax. 1) Download the Kik off, create an account then click on credit report. 2) This page should be labeled Credit report be sure that you are on you Equifax credit report, then stroll down until you see the “Dispute” then click on the word New. 3) If you have negative items you will see a button that says “Dispute More Errors or Dispute Errors” click it n that button. 4) Now you would want to select 5 late payments then click on “5/5 selected” 5) Now this is where you would choose the reason why you are disputing these errors. “Received COVID-19 pandemic accommodation from lender”. 6) Now just click “Next then Generate Letters” this process will take between 45 to 60 days. When done comment "Done" below to see how many we can get removed 🔥🔥