Late payments and defaults are a surefire way to send your credit score as far below the 800 mark as possible. If you've had financial trouble in the past, or see it fast approaching, there are steps you can take to undo or prevent damage to your credit.
If you foresee having trouble making payments, you can try negotiating a payment plan with your creditor. An altered payment plan could make it easier for you to pay on time. If you have late payments or debt collection items on your credit report, try asking the creditor to remove the derogatory items from your credit report, according to consumer law website Nolo. It might take some effort, but if you're successful, these steps could improve your score.
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