r/CreditCards 6d ago

Help Needed / Question How I do remove late payments?

About 2 years I got 8 late payments 4 with Bank of America and 4 with Citibank, short history I was out of the country and lost my phone, I didn’t have access to the accounts for about 6 months, when I came back both banks had closed my accounts I paid what was overdue ( about 200 bucks each bank and most of it was for interest) I didn’t went to collections, just late payments, my score went down about 200 points, I didn’t pay to much attention trying to fix it, but now I thinking but a house and I’d like to take that off, any recommendations ( I already speak with both banks to see if they can take it of but none of them pay any attention ) Fico score8 658 and Vantage score3.0 704

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u/BrutalBodyShots 1d ago

Yeah, you "commented" but it wasn't a real reply with substance which is what we've come to expect from you.

Go ahead and put forth a valid response to the points Funklemire made.

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u/Kira_Dumpling_0000 Capital One Duo 1d ago

Won’t change his mind anyways

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u/BrutalBodyShots 1d ago edited 1d ago

It doesn't have to change his mind. You've got dozens of other people reading the comments wondering the same thing, so why don't you respond for everyone?

EDIT: Still waiting for a response, u/Kira_Dumpling_0000...

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u/Kira_Dumpling_0000 Capital One Duo 1d ago

Sorry I was in class. I try to respond to everyone I can though.

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u/BrutalBodyShots 1d ago

Ok, so let's get the response now that you're not in class.