(NEW YORK) -- Having a bad credit score can cost a small fortune. Loans cost more, you may fail to qualify for a mortgage and even landlords may charge tenants more rent.
If old late payments are putting a dent in your score, you may be able to persuade creditors to remove them from your credit history, according to Ken Linn of the personal finance site CreditKarma.com.
"If you're a good customer and you've really cured your delinquency in the past, you can call. It's surprising what a phone call to customer service will do," Linn says.
Linn adds that if the company refuses, "You might want to try multiple times if you don't get a good result the first time."
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