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Hi Kevin,

In regards to your "many" questions about credit....
You may be pleasantly surprised when you do receive your credit reports. Normally, late pays are regarded 60+ days due to the fact of the reporting methods of the credit issuer. A creditor normally sends credit updates on a monthly basis, therefore if you are paying your accounts before they become 60days deliquent it will rarely show on you your credit report.

Re #1 plates...Due to the fact that you paid it will most likely not show on your report.

#2 credit card...you also paid this one so same as above.

In regards to any "negative" reports on you credit report.....Simply send a letter to the credit bureaus'(hopefully you ordered all three!)disputing your issues that you take exception. By the FCC laws, the must remove the disputes and notify the creditor that you have disputed the records. If the creditor does not respond, the bureau will remove it from your report. If they do respond, the bureau will notify you of the status.

Until you are sure (and possibly indefinitly) that your credit reports look the way that you would like for them to look, you might like service that alerts you when anything new appears on your report. This service is available thru several sources, one that I can think of off hand is Montgomery Wards.

I hope that this helps you.

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