Originally Posted by Veterans Day

all 3 bureaus have thier own way of scoring and factoring detrimental reporting such as lates, judgements and so forth. No way to tell for sure. As for getting 30 day lates taken off, is only possible if it was in fact not 30 days late, you will need proof that it was not in fact 30 days late, then file a complaint with whichever bureau is reporting the 30 and they will in turn contact your creditor that reported you. Those credit repair companies are nothing more than shams, they do nothing different than you can do yourself, which is dispute the reporting.