@courtneyp__: Under the FCRA, late payments are categorized as negative/adverse account information—not public records. See 15 U.S.C. §§ 1681c(a)(5) and 1681s-2(a)(7)(G)(i) Click the link in my bio to get EVERY single negative account removed ❌ from ALL 3 credit reports for only $76 until the end of August!! ✅ ANDDDD— if it makes you MORE comfortable, you can also do this yourself for only $29 using my DIY credit package I made especially for you to fix your own credit, using MY consumer law dispute letters as well as video and written instructions to get this done as smooth & easy as you can! ✅

Courtney P

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Region: US

Friday 14 August 2026 18:55:51 GMT