The creditors clear credit score account up from the late payment fees.
With that in mind, you should then find the one that gives the same services which has a more competitive price. If it's not on page #1 it end up being on page #2 after 6 months of campaign for a some for the keywords. https://www.youtube.com/watch?v=sWuLO_y0xaE&feature=youtu.be