Ok, so I'm guilty when it comes to always paying my bills late! Not because I don't have the money, but because I have a lot on my "plate" and I honestly just always forget when it's "too late" smh... Well, I had a car payment that showed late on my credit report, that I can honestly say I NEVER recalled paying late! It killed my credit score and I had no idea why!? Now, with the education I received I know it's because payment history makes up 35% of my total credit score! Well, BeautifyCredit challenged the company to "show proof" of the late payment and they failed to do so!! I checked my credit monitoring service 2 weeks later and the delinquency was removed and my score increased by 56pts!! 56pts in 2 weeks!!! THANK YOU!!! THANK YOU BEAUTIFY CREDIT!!