Having just ONE late payment on your credit report can be devastating to you credit scores. Late payments can stay on your credit report for up to 7 years. However, what most people don't know is that you do NOT have to wait up to 7 years before actually being able to get a mortgage, car loan or any other type of credit again!
Read my story below (and check out my photos below so you know its legit.) to see how you can remove late payments from your credit report.
How I Got Bad Credit
Like many other Americans, when the economy tanked my husband's employer let go of half of its employees, including my husband. We were able to keep up on the bills with his unemployment check and my part time job but, eventually the checks ran out and the monthly payments proved to be too much.
To save our house, we ended up filing bankruptcy. In hindsight, it may not have been the best decision, but we did what we had to do to keep a roof over my family. The bankruptcy relieved us of our debt, but the damage to our credit was done.
What We Did About It
The next couple years were pretty miserable. We couldn't get a loan for anything. Even though my husband was able to find a great job and put some money away in savings we were denied every single time we applied for anything. The banks told us that our credit scores were too low and that there was nothing they could do for us. It was frustrating and embarrassing.
A friend told us about Credit Repair Guru and how they could permanently remove negative items from your credit report by disputing them with the credit bureaus. It sounded awesome to me! But, was it true? We trusted our friend, but we thought to ourselves, "how can this be possible?"
How One Website Changed Our Lives
I filled out the online form and had a credit expert call me who was very friendly and understanding of my situation. She was also very knowledgeable. So, my husband and I went ahead and signed up. It turned out to be one of the best decisions we have ever made! After about 3 weeks, we started receiving letters (like the one below) stating that negative accounts had been removed from our credit reports!
Our credit scores have drastically improved since there are no longer any negative accounts on my credit report. Here is a snap shot my credit scores from my FICO since I signed up.:
"I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything that you are doing for me and please pass on to your staff my appreciation for all of the hard work."
"Thanks for the excellent services you have provided. I would sincerely say that your organization conducted business in the utmost professional manner. I am extremely pleased with the way you worked things out for me. Thanks for the wonderful service. You and your team have a great year ahead!"