How can I get my creditors to remove late payments from my credit report.?

Question

I have been enrolled in a debt management program that has helped me in that the creditors have dropped my interest rates down to 6% on my 2 Chase accounts and Discover is at 9.9%. Still this is far better than the nearly 30% I was paying before I started the program. However I am trying to buy a home with my VA loan entitlement and the few late payments I had with the creditors prior to my program enrollment are not allowing me to do so. The VA won't allow any late payments within the past year. The worst part is that I am not even sure they will ever count me as up to date even though they are paid a monthly amount which they agreed to along with the reduced interest rate. I am going to speak directly with my creditors about this in the next few days as I am in the process of relocating due to military orders in the next few weeks. However I feel that I have leverage with them since I have enrolled in the program and a home purchase is a necessity in my mind.

Answer 1

Lots of info here.

Answer 2

Items are never removed or erased, they just expire with time
Negative items on your report are the least of your worries.
concentrate of getting out of debt, its the debt, not the details,
that concern the creditors. Debt management companies have been around for a while, you'll find that they have much of this down to a science & can advise you on the next step.
Good Luck

Answer 3

in the next 30 days all your accounts that are with the counseling service will be posted with "being handled by a consumer counseling service. Your credit report will take a hit and they have no incentive to change the report. you paid late they reported it. As for a house being a necessity it probally won't happen till have you are out of the counseling service