I've had great success in getting accounts removed through the cfpb and online disputes ect. But for some reason the late payments kept coming back either verified or they were giving me stall tatics. I tried SEVERAL TIMES like 6 to be exact. I was on tik tok and seen Christian online. He said if you join the community, you can to download the letters and used the red ink to trick the E oscar system. BOOM 💣💣💣💥💥💥 they are working in less than a month!!!.. I'm waiting on a few more to fall off but wanted share! And encourage others it works!