With the recent late payments, I am sorry to say that Father Time will be the best healer for your credit score. However, you can work on improving the other factors which include the number of cards that you have and your debt to available credit ratio.I have found that if you only have one or two 30 day lates on an account, that sometimes if you dispute these, they will not bother to refute it. If so, the account will then show as never late.It's worth a try. The most they can do is leave it as is.
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