Here’s a suggestion! One of my friends is moving, and wants to THEN go through some credit improvement and hopefully buy in 6 or 7 months.
FIRST SUGGESTION… get your drivers license changed to your new address. Make a copy of it. Send it to the BIG THREE credit agencies saying this is my address, please remove the other addresses that you have on file as they are incorrect.
Why do this? If you are disputing a late payment from two years ago – they are going to “proof” their records back to you. The address they have on file will be incorrect! This could improve your chances of getting the incorrectly noted late payment off of your report!