*Disclaimer. This is something that worked for me. Not promising that it’ll work for you but you should definitely give it a shot and just run the play. Also, I only had one late payment reported not sure if this method will be just as effective with multiple lates but hey, still give it a shot 🤷🏽‍♂️ Step 1️⃣ Call the company that you have the late payment with and ask them to email you your payment ledger that you have with their company Step 2️⃣ Upload the payment ledger into adobe acrobat and go to the date where you missed the payment and edit it from $0 to whatever your payment was suppose to be for that month. Save it to your files , you will attach the edited copy to your dispute 👀 Step 3️⃣ -Login into your Experian app -Click the button in the top right corner -Click help center -Click file a dispute -Click start a new dispute -Click the account with the late payment -Click start a dispute -Select “other reason” -Select “no, I don’t believe this is identity theft” -In the comment box put 👇🏽 “I was never late on this account. I spoke with a manager who also stated that I was never late and provided me with the payment ledger proving my on time payment history. Please remove the late payment ASAP.” -Upload your ID, Social, Utility bill , and your edited payment ledger This is what I did to get the late removed. Took them 1 day to remove it after filing the dispute. I don’t have time frame proof but I wouldn’t lie to y’all. If it takes them longer to remove yours well just hope that it gets removed. Also, feel free to try it on the other 2 bureaus. Note 📝 : ONLY do this method for accounts you DO NOT want to ever remove. You’re agreeing that the account is yours and you’re proving that the account is yours by sending them the payment ledger. Please don’t try to double back with the breach or IT method, you will look crazy 😂 better to go the consumer law or m2 route if this doesn’t work

Here is info I have my clients do when I'm removing their evictions they can freeze these 3rd party agencies so landlords cant see it if they are applying for houses or apartments: Tenant screening freezes CICreports.com 800-288-4757 (Option5) SafeRent-rental.corelogic.com 800-815-8664 (Option 1) or 888-333-2413 (Option 1)-Request report form Experian-Request security freeze experian.com/rentbureau Request report form 877-704-4519 First Advantage-FADV.com -Request report form: Phone 800-845-6004 RealPage-RealPage.com 866-934-1124 Screening Reports -ScreeningReports.com 866-389-4042

Use the personal credit dispute attachment. Make sure your secondary credit bureaus are frozen FIRST. Remove all old addresses, employers, phone numbers, names, etc. Only 1 needed for each. Two ways to delete:📝 1.Simply call the credit bureau and tell the representative you need to update your personal information on your profile. Here are the phone numbers of the main credit bureaus: 1. Equifax: 1-888-EQUIFAX (1-888-378-4329) 2. Experian: 1-888-EXPERIAN (1-888-397-3742) 3. TransUnion: 1-800-916-8800. Here is a gem to know when removing old addresses to dispute negative items on your credit report: 💎 You can also call and get old addresses deleted, but if an address is connected to an account they may try to give you some static. The keywords to use when removing old addresses are saying "the addresses are undeliverable" nothing more, nothing less. Do not overcomplicate it. If one agent won't do it, hang up and call until you get the agent who will. Don't give up so easily because it can be done. I have personally called and got names, old address, and employers removed from my credit report without any issues or sending any letter. You should only have 1 name and 1 address on your report. Regardless of calling the credit bureaus to remove outdated information, still add the freeze to your secondary bureaus to increase your chances of removing the debt. 2.Upload Online via Credit Bureaus website: 💻 Personal Info Dispute letter-choose a personal credit dispute letter of choice below. Make sure to delete or archive the report you don't want and not include it within your letter. DL-front and back SSN Utility Bill-updated address state in description: I have never lived at this address

- LexisNexis: Gathers public record information, employment verification, and tenant screening reports. - SageStream: Specializes in residential property and tenant screening reports. - CoreLogic: Offers property data and risk assessment services for the real estate industry. - NCTUE: Provides information on past phone, cable, and utility bills. - ChexSystems: Creates reports on consumer banking history, including check writing issues or account closures. - Innovis is often considered the fourth credit bureau behind Experian, Equifax, and TransUnion. Innovis mostly verifies consumer information and doesn't sell credit reports for lending decisions

Here are two ways to remove hard inquiries from your credit report if they are not attached to an open line of credit. I also included the Hard Inquiry Letter 1. Contact the credit bureaus by phone using 24-Hour DFY Guide 2. Remove using Consumer Financial Protection Bureau (CFPB)- online process (favorite) 3. Remove using Consumer Financial Protection Bureau (CFPB)- online process -Youtube guidance