(Part 2) A Cheap and Easy Secret to Remove Late Payments to Restore Your Credit Score and Save $200.00 a Month

Julio Borroto, CPF
2 min readFeb 9, 2024
Sometimes, it is like giving the Credit Bureau a little punch to wake them up. Art Illustration by Author

There are times when the battle of getting your late payments and other bad credit reports removed can be all uphill. But you should not quit and punch through the tough times; yes, I know, “It feels more like a hassle than it is worth.” However, this is how you can move into a category where lenders will not consider you a dreadful risk.

If you think that wealthy people have yet to do or are doing the same thing as you, you are mistaken. The only difference between them and you is that they pay someone to fix their credit for them, and you will use your time and cost for postage to repair your credit and save a whopping $200.00 a month, which is what they are paying to have someone else fix their credit.

After you have followed the instructions in Part 1, you will receive a response from the Credit Bureaus, give or take, within 30 days, which is a standard waiting period. If they have sent you a free credit report included with the first letter, then on the second round of letters you will be sending, they will take 45 days to respond.

The worst news you can receive is that they stand with their findings and found nothing wrong with the report, and the negative credit report stands as is.

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Julio Borroto, CPF

🧸 Stay at Home Dad🍼 I have a Personal Financial Certification, and I want to teach you how to Survive on a Shoe String Budget.