HOW TO DELETE LATE PAYMENTS LEGALLY

Late payments are the #1 cause of major credit score drops.

They hit harder than collections, harder than high utilization, and harder than inquiries.

A single 30-day late payment can drop your FICO score 60–100+ points, and a 60- or 90-day late can drop you more than 150 points depending on your profile.

The good news?

Late payments can be removed.