This ebook provides you the steps you need to remove late payments from your credit report.  Payment History makes up 35 percent of your overall credit score. Which makes it one of the most important factors used to determine your overall score. Late Payments can decrease your credit score an average of 30 to 60 points in some cases it could be higher.  Don't get caught slipping! Use this step by step guide to remove those hard inquiries and increase your credit score.