Late Payments on Credit Report. How do I get them off. Goodwill letter help??

I have a number of late payments on my report. One for a macy's credit card and another for my bank of america. How do I ge them off! They were late because I was just out of college and did not have a job. I have since paid them down and have been making regular on-time payments but they are literally killing. I have a total of 15 late payments. 10 for Macy's and the other 5 for bank of america.

I was thinking I would send a goodwill letter for the late payments that occur in 2005 and 2006 (July 2005, June 2006, September 2006 & Oct 2006)

Any advice?? I cannot wait 7 years for them to fall off. I now have a great job and want to buy a condo but my credit score is 545 and is kicking my butt! Thanks for your help. If you recommend writing a goodwill letter, please please please provide a sample one and what I should say.

Also, should I just lie about my situation and say I got into some horrible crash or family issue?

Thanks again!

Late Payments on Credit Report. How do I get them off. Goodwill letter help??opera.com

Don't bother writing a letter. It won't help. And, frankly, it doesn't matter to the prior lender or credit bureau why you were late. If you're late, you're late.

The good news is that a late payment isn't as bad as a default. And your credit score isn't everything. A good job that you've been at for quite a while and a better recent payment history are just as important, though Autumn of 2006 wasn't that long ago.

FirstPrevious12 Next End

Late Payments on Credit Report. How do I get them off. Goodwill letter help??

Topic