Learn the smart way to handle late payments on your credit report with Dustin the Credit Geek! In this video, Dustin explains why simply deleting late payments isnβt always the best solution for your credit score and unveils a more effective strategy. Save this video for later and hit the repost button to share it with friends! When disputing late payments, the wording in your dispute letter is crucial. Generic dispute tactics or requesting deletion can actually harm your score. Late payments are part of a larger tradeline, which may include on-time payments and account history that positively impact your score. If the entire tradeline is deleted during a dispute, you could lose those positive elements, causing your score to drop. Instead of asking for deletion, Dustin shows you how to address late payments by focusing on the verbiage. He recommends stating that the delinquencies are unproven and requesting an update to reflect PAANL status (Paid As Agreed, Never Late). This way, you maintain the positive aspects of your account while resolving the late payment issue. To get the sample letter, simply click the arrow and use the yellow repost button to share the video, then comment βMEβ below. Dustin will send you a direct link for free. Remember, the words you use in a dispute can greatly affect your credit score. Follow Dustin for expert advice and take control of your credit today!
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