I have 3 accounts that have late payments documented that are within 1 – 2 years of the 7 year reporting frame. During that period my husband was out of work due to health issues. Although I made several late payments, I did make payments and eventually paid off all the accounts including all the late charges etc. They are current paid off and closed. Since then my credit is flawless. These accounts are bringing down my score. Just last month I read about cyber Space who had helped people with poor credit report and how good he is at what he does. I needed his service so bad so I had to reach him on his gmail Cybspace279. I explained all I’m going through about my credit and he promised to help me get it fixed, all he did was request some of my few info's, after some days he got it repair. late payment is marked on time, the medical bills was removed and my credit sky rocket from 580 to 785. I was able to re-finance my home, just two weeks ago I requested a loan and was granted I’m sure the lender will go through my credit history and see it’s excellence before they could approved the loan