How To Remove Late Payments (Step-By-Step)

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In today's video, I will show you How To Remove Late Payments (Step-By-Step) All my recommendations 👉🏾 bit.ly/naamwynn
In fact, everything that I'm about to share with you in this video is exactly what I did for clients during credit repair. With this service, you can do it yourself!
With that said, here's what you learn in today's video.
First, I'll explain what is a late payment and the different types. Once you guys grasp the concept of what these are then we will move on to how to remove late payments from your credit report.
Next, I will share with you exactly what do you need to do first before removing your late payment. This will require you to get a copy of your credit report in case you need to send in a dispute letter.
Next, we will talk about sending a dispute letter. I will share with you exactly what needs to be in your letter and all the necessary paperwork that you need to send with you later. I also discuss an alternative method if you're more text savvy and you want to dispute on the credit bureau's website.
Afterward, you will need to contact the creditors for forgiveness, This will be in 3 forms, which I will share with you in the video.
In the end, you will know the EXACT steps to get the late payments removed.
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#creditrepair #latepayments #credit
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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 makes no express warranty as to the completeness or accuracy, nor can it accept responsibility for errors appearing in this video.

Пікірлер: 108

@NaamWynn 2 жыл бұрын

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@bestechdeals4539 11 ай бұрын

My friend, first thank you for this gold information. May i please k ow how can i contact you?

@2kenobi575 Жыл бұрын

Absolutely amazing video. Concise and to the point and very well spoken. Thank you for the information Naam,

@StylesCPRacing 2 жыл бұрын

YES!! Thank you for this!

@gorillashop337 Жыл бұрын

Great information

@affitel Жыл бұрын

You are The MAN!!! I was able to get 4 late payments removed ( within 2weeks) from my credit report using your methods. THANK YOU!

@michaeldaniel8736 Жыл бұрын

Hey Naam great that your method worked but the are two methods that work great one is write to CEO not a Good Will but asking to update a positive works only with a 1X late also if the debt is paid off even better

@OPENLATE405 2 жыл бұрын

Really appreciate your helpful content I have a question what website/app are you use to show that chart (color chart) for all three bureaus Bought an SRT crashed it , the rest is history

@michaeldaniel8736 Жыл бұрын

Method #2 part b Ok here goes in 1997 Cushman vs Transunion it was congressional option that the data furnisher & credit bureaus CAN’T put the burden of proof on the consumer. But that the only way is the data furnisher provide legal documentation that consumer paid late ie bank statements. Now add your exhibits: 1 credit bureau where your late 2 your 1st letter 3 there responce

@mastershackgroup5331 2 жыл бұрын

Yes this is good

@mr.ormrs.greene9737 Жыл бұрын

Sorry about your loss. 😔

@ladyloveinc 2 жыл бұрын

First off thank you for this info. I'm needing your help I have a auto loan on my reports now I haven't had this car since 2017 ( totalled in a car accident) and the loan company is STILL reporting missed payments every month since then. Wht should I do for this? Why is it not a charge off by now?

@t.e.l.l.generations9156 Жыл бұрын

I watched many videos about how to remove negative (late payments), I called three times to the lender, not one of the persons was willing to remove it, then I waited a few months then sent a letter to the CEO, pleaded, emotional based as such stated by many of these people. I locked- freeze all the places first lexis Nexis, etc anyway to make this short, since this that they reported is incorrect. Well, now I will be sending a letter to dispute and will surely update you all if it does or does not work since nothing else that is recommended here. I did write letters in the past and that did not work but will try again now since that was years ago, and I did not freeze anything. Will send an update.

@dreadjhon2382 Жыл бұрын

anyupdate

@juliochecon3635 2 жыл бұрын

Thank you so much for your video. Naan can you recommend someone trustworthy to do all your recommendations?? I am very busy and don’t have time to do all this. Please help

@MusicBoxAlsoWater 2 жыл бұрын

Great video. Do you do removals of loans or whatever from credit reports? I've been trying to look it up myself and use the techniques you stated and others have stated, but I often feel overwhelmed.

@arzellasimmons1987 Жыл бұрын

@Eric Jones Who is David?

@pixelsinfo7206 Жыл бұрын

What is the point of freezing your credit report prior to trying to get something removed?

@damosster 2 жыл бұрын

Hey Naam, thank you for this video and the work you do! What would be your suggestion for someone that acquired several late payments because they worked with a company like clearoneadvantage, and now have multiple delinquencies with four different creditors on their report? Thank you!

@amvauto6181 Жыл бұрын

just noticed I had a late payment from 2018 with a credit union I had I just remembered the atm was down and the teller instead of making the payment she deposited the money into my account what should i do the late payment is hunting me down

@dwightpalmatier4430 Жыл бұрын

Hi Naam, Is there any way to have hard inquiries removed as I accidentally applied to a Credit Union in which I’m actually in eligible for their credit cards or there bank services because I’m not qualified due to there family and employment qualifications? Please advise. Thank you

@kalebbarber9294 Жыл бұрын

When Disputing Discrepancies Between The 3 Credit Bureaus Should The Reason be That the Other 2 Bureaus are Reporting On Time and Experian is Reporting Late? I am not Sure how to Word it so that they Remove The Late Payments Based on The Inaccuracy Across The 3 Bureaus.

@310fatboi 2 жыл бұрын

I have a auto loan that I m almost done paying and it doesn't appear on my credit. what can I do so my credit score can go up.

@unapologeticplayground 2 жыл бұрын

Would it be bad to call in and make a dispute?

@egren58 Жыл бұрын

I have a closed account which somehow is still reporting late payment.. It was a charged off and went to collections i disputed the collection and got it removed but the original creditor still shows up under closed account and reporting late payment every month 4 years later.. what should I do. (This is also my oldest credit account

@dad0041 Жыл бұрын

At the 5:38 mark, what web site did you use to get the report?

@romulobrandino Жыл бұрын

5:33 from where Naam got this credit report?

@leri3365 Жыл бұрын

I have an issue with a closed account that I was never aware of (was a joint user, not responsible for payments). It got missed payments until it eventually got charged off, and I just recently saw it on my report. I called them and they gave me a settlement offer to put the balance to $0, but they told me the missed payments would still show on the credit report and that they couldn't remove those. How can I get these late payments removed? Should I call again and say I will accept the settlement if they agree to change the missed payments to current?(Pretty sure the person I talked to said this wasn't possible, but may have more luck with someone else). (It is still with the original creditor, not in collections.)

@thenry937 Жыл бұрын

Hello, I have the same issue. Did you get this fixed?

@devildogentertainment4904 2 жыл бұрын

First off Semper Fi brother, 2nd, I literally have 1 missed payment I want taken off and it’s so annoying man!

@TriggaTreDay Жыл бұрын

Lexus Nexus is refusing to freeze accounts. I may have to report them. Is anyone else having this problem.

@emredegirmencifrizctheta Жыл бұрын

Great video, trading come with a lot of benefits And I have just bought my first house through it. As a beginner I was scared of loosing my savings but I’m glad I took the bold step that is now favoring me.

@dad0041 Жыл бұрын

What is the purpose of the freeze?

@rualert1602 2 жыл бұрын

My problem seems a little different from what I'm hearing here. I want to dispute a late charge on my credit card payment, which is about two days late. I had a similar problem about 18 months ago. Maybe it's age but every once in a while I just forget to pay my bills. I have had a FICO score above 800 for several decades and am not worried about that. I don't have any debt and pay my credit card in full every month. I plan to call the CC company and argue how my two day late payment has injured them to the tune of $29 plus other fees and ask that I be provided with an itemized list of injuries and losses and how they are calculated. Has anyone actually done that?

@briancrizaldo7640 Жыл бұрын

Are you supposed to update all of your personal info before sending out dispute letters or it doesn’t matter when you update your personal info?

@briancrizaldo7640 Жыл бұрын

@valerieforbes7047 stop scamming

@irina_bombina Жыл бұрын

Yes, always correct your personal info first then dispute

@MishDi Жыл бұрын

Hello, I am looking for guidance. I was made aware of a 60 days late payment on my CC Platinum card for balance of $9.48. Charge of $462 from April - paid off June 1..On June 18 I was charged interest of the charge for $2.48. July 14 min interest charge .50 July 20 min interest charge .50 August 15 Past due fee $4.00 August 20 min interest charge.50 . Grand total $9.48. I know. I shouldn’t have paid late but it was not intentional. I just got an alert from my bank yesterday and immediately paid and set to auto pay. This was reported by Cap1 to all 3 bureaus. What should I do? Anyone ever have similar situation? I had -68 point change in my credit score. Any advice would be appreciated.

@T.Q. Жыл бұрын

@Naam Wynn You're a fraudster impersonating the real Naam. Loser.

@gregmorehouse3083 9 ай бұрын

Done this a few times. Did not help!

@michaeldaniel8736 Жыл бұрын

Method 2 Part A You dispute the late (30, 60, 90 days) don’t use a template write this in your own words. You must use the term “legal proof, if there is no legal proof then update account to show a positive outcome. “ this very important now if your lucky then you drop to part b

@tobbykolby1042 2 жыл бұрын

Okay

@kingsolomon4399 Жыл бұрын

But does this work for open lates that’s the main issue I’m having Haven’t seen it work can you help me remove open lates please All the best Thank you

@kingsolomon4399 Жыл бұрын

@Naam Wynn ok

@DimmyD 2 жыл бұрын

Naam are you from OC?! You look so familiar

@kxlamour Жыл бұрын

Doesnt work if reporting late payment beyond few years

@TheDElite1 2 жыл бұрын

If I attach my car insurance bill does that count as a utility bill?

@NaamWynn 2 жыл бұрын

Yes that works too

@TheDElite1 2 жыл бұрын

@@NaamWynn thanks I appreciate all your videos

@T.Q. Жыл бұрын

@@NaamWynn Bro you need to block the scammers in your videos comments.

@kimberlinparchment3270 Жыл бұрын

Can this work for Canada

@digitaItrapping34 Жыл бұрын

Kimberly??

@Bthustles_ 5 ай бұрын

ok. but i need to remove a late payment that ISNT incorrect.

@bubblewrap4793 Жыл бұрын

just because something is inaccurate doesnt mean they'll delete they just fix the inaccurate information so they'll just update not delete

@Aynotel4987 Жыл бұрын

Capitalone isn't as bad as you think. At least in my case, I can only speak for me.

@shahnulislam9897 Жыл бұрын

LOL thanks for singling out Capital One as one of the institution that don't give a damn about helping remove negative marks on your credit. 100% on the mark....I have sent them more than 28 letters ...nothing, nada

@mastershackgroup5331 2 жыл бұрын

Here

@catbugg9957 2 жыл бұрын

My score went down 50 points and I have no idea why. Can I get some advice?

@catbugg9957 2 жыл бұрын

Hey I just emailed you.

@-tg5mg 2 жыл бұрын

@@catbugg9957 *With 👆HIS 👆 above expertise skill I got my credit improved( got few late payments, charge offs and Hard Inquiries pulled out from my credit) and credit rating expanded to 704 points from 420.*

@-tg5mg 2 жыл бұрын

@smc293 Ай бұрын

Anyone have success removing late payments from Self Lender? Or does anyone knownthe CEO email of Self?

@tashagotit7747 2 жыл бұрын

Is this for Fico 10

@NaamWynn 2 жыл бұрын

For all scores

@tashagotit7747 2 жыл бұрын

@@NaamWynn ok

@chauncollins7616 2 жыл бұрын

Lol why dude call CapitalOne out like that!

@blackbritishcrew09 2 жыл бұрын

i try didn’t work but it might work for someone else

@blackbritishcrew09 2 жыл бұрын

@Eric Jones thanks

@blackbritishcrew09 2 жыл бұрын

@Eric Jones not yet

@musakeles4493 Жыл бұрын

To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough>. I've been quite unsure about investing in this current market and at the same time I feel it's the best time to get started on the market, what are your thoughts?

@blackbritishcrew09 2 жыл бұрын

sorry your good will letter didn’t work for me

@Jasminsays 2 жыл бұрын

Really

@NaamWynn 2 жыл бұрын

Unfortunately it doesn't work all the time.

@blackbritishcrew09 2 жыл бұрын

capitalone is worse! two years of on time payments and still wouldn’t budge with taken off late payments 😡

@cloudstrife7772 2 жыл бұрын

@@blackbritishcrew09 pay on time and you wouldn’t have that problem .

@cloudstrife7772 2 жыл бұрын

@@blackbritishcrew09 terms and conditions. Don’t borrow if you can’t follow.

@derwinhenderson4964 Жыл бұрын

Damn I have a closed account with 22 lates. Only thing on my credit. Its over a 5 year period from 2015 to 2020. Its all paid up. I sent the good will letter a while back and came back as verified. Is it any worth continuing the process. Just want an opinion Thanks

@traaage7782 Жыл бұрын

You sent it to the credit bureau. Send the letter to the creditor

@derwinhenderson4964 Жыл бұрын

@@traaage7782 Did that first. been verified 5 times but ill keep disputing using diff techniques. its not easy. but i wont stop umtil it gets taken off

@BigPappaLos Жыл бұрын

Wtf is up with all these "cognitive hacks" comments? This the new AI? Creepy AF.

@blackbritishcrew09 2 жыл бұрын

omg yes capitalone

@arturpankowicz4362 2 жыл бұрын

Upstart never help people like me. They want everything but next day said declain. Wth. Not recommend upstart scam

@tvkuthesag 2 жыл бұрын

Hey naam i left a business inquiry to your business email please check it out

@tvkuthesag 2 жыл бұрын

thanks just did

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