<prompt> Human: At the beginning of April I had a credit score of 625 I set a goal to improve that to 700. I started to pay down my credit cards which were maxed and Ive paid off a few though the balances have been taking a very long time to update in the credit report. I sent goodwill letters to to clear off some 30day late payments that we legitimately not my fault all of the letters were denied and one of the creditors actually added a remark to the report stating that the two late were valid which seems to have hurt the score more Toyota I hate you now I tried disputing the issues and those were also denied. My credit score now sits at 560 since every time I dispute or send GW letters it seems to drag the score down even more. have not had a late payment reported in more then 6moths, no new issues have been added This is driving me insane, I feel rather helpless since nothing seems to be working. :-  <response>: Just start paying your bills on time. Thats really all you can do at this point. 