Best way to boost credit?

If you could lower your balance on all your credit cards to 30% of your credit limit, and dispute that late pay then you should be fine.

Ok thanks alot for the information. I will call them about the dispute. Will this increase my fico score? or just make it look like i pay all my bills on time and in full?

Lowering the balance on your cards to 30% of your credit limit will lower your DTI, (Debt to Income) which in turn will increase your credit scores, and getting that late pay off will also increase your scores because it will appear that you have never been late on paying your bills.

Remember your payment history is 35% of your credit score, and another 30% is your amounts owed. Hope this is of some help to you.

Yes thanks alot! Yes i checked out my credit report and i have used about 85-90% of my available credit. So i will try paying off most of it when i get my tax return. Thanks again.

You should send a Goodwill letter to Macy's which basically means you write them a handwritten letter, (don't use a computer or a form letter), and in your own words, explain why you were late, point out that you have had the account for X number of years, this was your only late, and explain what was going on in your life to explain why you were late. The more personal the better, Don't just dispute the late because you run the risk of the company verifying that it was late. And if it doesn't work the first time, send it again, and again, rewording it each time. Good luck!

Yes i have sent out a hand written letter to them and awaiting a response. I really hope this works as it is the only late payment i have had. Thanks for advice.

good luck and hopefully you will receive a positive response from them!