How To REMOVE LATE PAYMEMTS from Credit Report In 2024

Рет қаралды 24,709

Күн бұрын

In this video, I go over how to remove late payments in 2024. This will be your complete guide of wiping late payments from your credit report. I will go over all the steps step-by-step. Enjoy!
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DISCLAIMER:
This video is for entertainment purposes only. I am not a legal or financial expert or have any authority to give legal or financial advice. While all the information in this video is believed to be accurate at the time of its recording, realize this channel and its author make no express warranty as to the completeness or accuracy, nor can it accept responsibility for errors appearing in this video. This video and description contain affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for your support!

Пікірлер: 69

@Miss_Piff 4 ай бұрын

I’m glad I saw this video because I know a late payment shouldn’t be reported if it’s past 30 days but they did so anyways and I was literally 1 week late from due, i stg. I’m still fighting it as we speak but I will do this method if current one doesn’t work.

@dr3495 5 ай бұрын

I made 2 late payments on a fully secured loan

@ThomasMize-qg8rr 4 ай бұрын

The confidence you take in your work is really inspiring and amazing, special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence. Take my cordial thanks! You are really an efficient, organized and result-oriented man Thank you for all the extra hours and extra effort you had to put on for getting this job done. I appreciate every bit of your effort. Thank you *PLUTO TECHIE* for pulling this off so smoothly...

@user-vl1hf1dy4j Ай бұрын

hi i have a question, What if the bureaus correct the error rather than delete it, what do you do then? Thanks

@FlySocietyRecords58 2 ай бұрын

So when there is an accuracies, do you go at all three credit consumer report agencies or just the one is reporting the in accuracy?

@fenardomike4228 Ай бұрын

Definitely and do you wants to know more about it ?

@wormjad1973 3 ай бұрын

I cosigned for a vehicle for my brother. He quit making payments and my credit tanked. I tried to repossess his truck and the finance company said I had no legal right to do so. I told them where the vehicle is and they refuse to go get it. Please tell me there are legal steps I can take without filing bankruptcy to repair my credit. Everything I have is 100% on time payments except for his truck

@smauglord8117 2 ай бұрын

Yes , you can repossess the truck because you are the co-signer meaning If he can’t make the payments you are liable for the that truck they’re lien to you . If that was me I would report them

@wormjad1973 2 ай бұрын

My brother has traded the truck for another vehicle. The tow truck company that has the truck has removed the vin. I tried getting the cops out there and was told it's a civil matter. The prosecutor also said I can't report it stolen because my brother traded the vehicle. Basically, if you co-sign in Arkansas you're screwed

@ms.p.1022 Ай бұрын

When repairing your own credit do you suggest freezing secondary bureaus?

@NaamWynn Ай бұрын

Yes

@chelechele2145 4 ай бұрын

Do you send the goodwill letter to the credit bureau or creditor?

@NaamWynn 4 ай бұрын

Creditor

@bubblewrap4793 4 ай бұрын

Well they have 30 days to respond to you not to complete their investigation. So they will often send a letter saying they are investigating and that will comply with the 30 day requirement.

@robertoutlaw2182 Ай бұрын

I just emailed you a question

@Roadto750llcgmailcom Ай бұрын

Where?

@NaamWynn.0 Ай бұрын

For privacy reasons and basically because of KZfaq’s new policy, fwd your question over there.

@NaamWynn.0 Ай бұрын

GmalL Naamwynn65

@kjacw 5 күн бұрын

I don't see the addresses for each credit reporting agencies.

@FRONTLINEAUTO400 5 ай бұрын

I’m using Identity Iq, what if all 30 day late payments match on all 3 bureaus?

@NaamWynn 5 ай бұрын

You can still attempt to dispute, but chances are lower since the info may be accurate

@kenwooddrive3116 5 ай бұрын

I had a late payment reversed 6 months ago by the company that reported it late and experian still hasn’t updated it

@NaamWynn 5 ай бұрын

Try disputing

@joewoerly7767 4 ай бұрын

What if you have multiple late payments? Would you send a separate letter for each late payment? Or would you dispute all late payments on one letter?

@joewoerly7767 4 ай бұрын

I got your software yesterday. And it is great!

@mrgene8385 23 күн бұрын

I co-signed for my friend and he is constantly being late and my account as tanked. He got all the late payments and still being late. This is a nightmare. How could I fix this?

@EmaiI-rosedisputekitgmailcom 20 күн бұрын

Nice work naam!

@nellylee9 17 күн бұрын

I’m having the same issue! Any tips

@Sunflowerbunny8388 16 күн бұрын

Same for me too!

@audreymay9378 4 ай бұрын

I don’t see a link for the good will letter

@consult_Naamwynn-outlook-com 4 ай бұрын

I'm available for Qs via my above address

@kwasiboakye8861 29 күн бұрын

Please I don't see the description. Can you please show me where I can find it?

@Naamwynn65gmailcom 27 күн бұрын

Hello, thank you for watching! Fwd this comment straight up over there right away .

@Naamwynn65gmailcom 27 күн бұрын

GmalL Naamwynn65

@Laizasweetheart 4 ай бұрын

hi there im not able to open the first dispute letter when i click the link it takes me to the Disagreement with investigation letter can you please share the first one with me? thank you

@NaamWynn 4 ай бұрын

bit.ly/3k7wYOW

@jayhawk2000 3 ай бұрын

Hi Naam, You mentioned at 29:30 regarding closed accounts with late payments. I have a timeshare, we fell behind on the payments and the company reached out to us to lower the amount of points we purchased to help with the monthly payment. The representative we spoke to said the old contract will be "satisfied" and we would be opening a new contract with the remaining balance. In essence the old contract will be fully paid off--he said in doing so those late payments will be removed from our report. Is this true? Appreciate the info thank you. Since falling behind, we have caught up with the payment, but the thought of lowering out points, monthly payment, and maintenance costs seems ideal.

@jaysteph3167 2 ай бұрын

What kind of account is the time share reporting as ?

@kaminasego 29 күн бұрын

What if I called and got accounts updated after missed payments? would that count as me going past the point of no return

@Naamwynn65gmailcom 27 күн бұрын

GmalL Naamwynn65

@Naamwynn65gmailcom 27 күн бұрын

Due to privacy reasons fwd this comment over there right away.

@kylecoleman3773 5 ай бұрын

Hi Naam, I just emailed you with a question. Please help! :)

@kdub175 3 ай бұрын

I had a three-year car lease with Kia, it closed in 2018, for some reason one agency has: - 100% payments made, all green checks but say 1/0/0 for 30 days late. second has: - 2 red X for late 60-90 days 98% payments 3.) 1 red X 30 days late. it’s 5+ years old, going on 6…idk why it would have ever been reported late as it was the final 2 months before I brought the car back to lease again. The account was always paid…anyway is it even worth trying to dispute this as it’s so old an only 1-2 payments out of 36…

@godsglorydeliveranceministry 4 ай бұрын

Can you delete the account when it's closed?

@NaamWynn 4 ай бұрын

Yes

@consult_Naamwynn-outlook-com 4 ай бұрын

I'm available for Qs via my above address

@reggiephillipsHBCALI 5 ай бұрын

Do you still repair credit?

@NaamWynn 5 ай бұрын

Hey man! Sorry, I don’t take on clients anymore

@superstitiouspre-literatep9730 5 ай бұрын

@@NaamWynndo you have anyone you can recommend?

@ThomasMize-qg8rr 4 ай бұрын

@@superstitiouspre-literatep9730 This was great information! This is the kind of info that needs to be given to our youth as they venture out into the world of entrepreneurship. This was very easy to understand and straightforward. Thank you *PLUTO TECHIE* for this your credit repair and funding method!

@ThomasMize-qg8rr 4 ай бұрын

I'm glad I got the privilege to learn about their name, their name is simply spelt as *pluto techie* @@superstitiouspre-literatep9730

@tbonecooks9244 23 күн бұрын

Why is he so damn cute.. really friggn cute.

@Lacy_bacon 4 күн бұрын

You are just screwed for 7 years if the late is legit😢

@jamesvids123 5 ай бұрын

I don't believe in goodwill letters

@sabrinatai31 4 ай бұрын

Worked for me

@biggthirsty2089 4 ай бұрын

So what is your strategy

@jamesvids123 3 ай бұрын

To me, goodwill letters admit that you in fact did make the payment late. With that information, most companies won't remove past late payments. Consumer law typically takes care of this.@@biggthirsty2089

@reginaldhawkins1621 28 күн бұрын

It didn’t work for me they claimed they didn’t have the means to remove the late payment, which was a lie!