Did you know one late payment can drop your score in between 50-100 points? Use our diy guide to get late payments removed and boost your credit score.    By purchasing this product, the customer understands that no physical product will be delivered. This product is a digital download that will instantly be available after purchase is confirmed, and can only be downloaded once per purchase! Saving the downloaded digital file to a trusted computer, phone, or device is highly recommended upon purchase! All sales are final! No refunds are permitted! By purchasing this product, the customer agrees that our company is not responsible for the customer failing to save their digital download file, and understand that no refunds will be issued!