18d • Power Plays
📘 How I Learned Late Payments Are Not Permanent
If you have late payments on your credit report and feel stuck, I know exactly what you are going through.
For the longest time, I believed late payments were permanent scars. I thought, “I was late, so it is my fault, and I will have to live with it for seven years.” That belief kept me from even trying to improve my credit, because what was the point if those marks were going to be there forever?
The truth is, a late payment only stays if it is reported in full compliance with the FCRA standard. And most of the time, it is not. That means late payments can be permanently deleted if they are out of compliance, regardless of whether you actually missed the payment.
I have seen parents denied for a car loan because of late payments suddenly drive off the lot once those accounts were deleted. I have seen people finally qualify for credit cards with better limits after being told “no” for years. The difference was not luck — it was understanding compliance.
Late payments do not define you. They are not a life sentence. Once you know the law is on your side, you start to realize you have more power than you ever thought.
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📘 How I Learned Late Payments Are Not Permanent
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We show people how to generate custom Metro 2 letters using our software to permanently delete credit items that are out of compliance by law.
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