Happy Mothers Day!

Post your questions here and I will answer them! I will leave them posted so that the group will be helped!! 😝😝 Let’s Go!!!!

If you are having issues with getting late payments removed then remove the whole account! If the account is no longer being used then this would an option. If the account is still in use then I would continue to dispute the late payment as long as it takes.

1. You Can Dispute ANYTHING on Your Report — Even If It's Accurate - If the bureau can’t verify it in 30 days, they have to delete it — even if it’s real. 2. Deleting a Negative Account Can Boost Your Score Instantly - A single late payment or collection can drag your score for years. 3. You Can Reset the Clock on Old Debts If You’re Not Careful - Each state has a statute of limitations on how long a debt is collectible (usually 3–7 years).

I'm excited to join this amazing community! I'm [crystal Kelsey ] and I'm really looking forward to connecting, learning, and contributing here. Big thanks for having me! 🙌