Hello, has anyone here disputed late payments on a charged off account that has been settled? I would try and remove my C/O accounts altogether but they make up a big part of my history so instead I want to try and remove the late payments to help my score go up. TYIA.

My friend has been running a business for 15 years, but he's facing a common issue. He uses a personal credit card for business expenses, leading to high balances that fluctuate frequently. As a result, his personal credit score is negatively affected. When he pays off the card, the score improves, but recurring expenses cause the balance to rise again, creating a cycle that impacts his credit. Have you deal with this kind of situation?

Hi, may I get some help removing my hard inquiries please?