If you find credit card or bank loan accounts that show late payments on your credit report, contact the lender to see if they are willing to remove them. If they will not, write a letter to each credit bureau asking them to remove the account. If the lender does not respond within 30 days, the credit bureau will remove the account from your report. If you are unable to pay your bills on time, contact the lender and ask them if they can work with you. They may be willing to restructure the loan to fit the circumstance… read more credit score
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