Do you have accounts on your credit bureau that are marked as late pays on your credit report? Scott in California USED to, but had many late pays upgraded to paid as agreed with no late pays!

Bank of America
Shell/Citibank
Gecccc/Tweeter
GMAC
Universal Card/Cbsdna
Wells Fargo
Miramar FCU
Union Bank
BP/Citibank
Chase/Special Installment
Chase Bank USA
First National Bank
GE Money Bank/Chevron
Electrolux/Cbsd
First Premier
FMC-Omaha Service
The Home Depot/Cbsd

And had these items deleted:
2 Judgments
Gecs/Perferred Floor
Manifest Group
Chase Bank USA
Fremont Bank
Flex Plus Line of Credit
Banc One

How big a difference do you think this made on Scott’s credit score?

Check out Scott’s TransUnion results from this very same round!