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MpFS21217

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How long until late or no payments are taken off my credit report?
I have several late payments on my credit history but Im trying to apply for a house in Feb/March 2017 Currently I'm working on my credit and paying my Credit cards down. How am I able to get those removed? They are from a student loan I have 8 missed payments with them and 4 missed payments with my credit card.

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