 TITLE: Can Credit Repair Companies Remove Late Payments? CONTENT: Should I Hire a Credit Repair Company to Remove Late Payments?\n--------------------------------------------------------------\nCredit repair companies cannot have accurately reported late payments deleted from your credit reports. If a late payment was reported correctly to one of the three main credit bureaus (Experian, TransUnion and Equifax), that late payment will not be removed.\nCredit repair companies don't have any backdoor access to the credit bureaus or unique abilities to remove late payments. If you choose to hire a credit repair company, which can cost hundreds or thousands of dollars, be aware that they cannot do anything to remove information from credit reports that you can't do yourself for free.\nGenerally speaking, the only reason a credit reporting agency or a data furnisher, such as a bank, would remove a late payment from your credit report is that it is either incorrect or has reached its credit reporting time limit.\nBefore you pay a credit repair company to attempt to have your late payments removed, ask yourself a few questions:\n*   Are the late payments accurate?\n*   Has seven years passed since the date of the late payment?\n*   Does my lender have a record of these late payments?\nIf you answered \"yes\" to these questions, then it's unlikely you'll be able to have the late payments removed, whether you hire a credit repair company or attempt to do it yourself. END