Hereβs a free hack you can run through Kikoff to challenge late payments with Equifax. Step into it like this β¬οΈ
1οΈβ£ Download the Kikoff app, set up your account, and tap on Credit Report.
2οΈβ£ Make sure youβre viewing your Equifax report, then scroll down until you see Dispute β click New.
3οΈβ£ If youβve got negatives showing, hit Dispute Errors / Dispute More Errors.
4οΈβ£ Select up to 5 late payments β confirm by clicking 5/5 Selected.
5οΈβ£ When it asks for the reason, choose: βReceived COVID 19 pandemic accommodation from lender.β
6οΈβ£ Hit Next β Generate Letters and let the process work. This usually takes 45β60 days.
β
Once you finish, comment DONE below so we can track how many late payments we knock off this month! ππ₯