I could remember vividly when one of my bank accounts had ( INSF ) payment made and I didn't notice until it was already 30 days past due already , i had paid the account in full before, Just that one account that had a 30 days past due added to my credit report which devastated my credit score by 75 points and brought my credit score under 600. Then I was back at square one from 5 years of rebuilding my credit in a matter of 3 months. To my very worries I talked to my colleague at work about my credit issues and how I unexpectedly got a late payment red flag. He felt my pain and also understood how I have worked so hard to keep a perfect score . He said he knows a credit specialist that helped his uncle when he had similar issues . After about a week I contacted - NEW HORIZON CREDIT 1 At Gmail Dot COM . He deleted the INSF payment and also uprooted other errors attached to it to keep me on a clean sheet. He's a professional in this field and easy to work with .