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Hope is well

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  1. What is the fastest way to remove negatives, like late payments or stop payments? I've looked and don't see anything that is fast. How long do I have to wait before I start trying to remove the negatives? The reason I ask is that I have 2 chase credit cards that I want to settle and I've read OCs won't remove on CR but put in paid charged off or settled. And I'm sure that doesn't help the credit report. Is there a department I can call to settle this before I start stopping payments? Would that make the credit score lower since I will not have any lates?
  2. This is great information. anyone know if there is works to do the same with credit cards? Now that would make people pay it off.

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