How to Get Rid of 30 day lates on your credit report

We all know that bad debts, defaulted loans, foreclosures and repossessions can hurt a credit report and remain on it for several years. Generally a 30 to 60 day late payment will only remain on your credit report for as long as it is being reported past due and won't cause lasting damage. Still, if you've recently made a 30 to 60 day late payment, and you are planning to apply for a loan, you may want to try getting it removed from your credit report.

Instructions

1

Make all other payments on time. If the 30 day late was an isolated incident, the company is more likely to work with you on removing it.

2

Call the creditor and explain the reason for the late payment. Did the bill just not arrive in the mail? Did you move and some of your mail wasn't forwarded? Explain to the customer service representative what caused your 30 day late. If it is an isolated incident, point out that this has never happened before, and you would very much like to have it removed.

3

Approach the matter calmly, and don't demand. You may hear "We don't do that", but remember...they need YOU. You are the customer. Let them know you have no problem paying the fees, but that a matter of circumstance in which no one is at fault is going to damage your good credit rating and they have the power to remedy the situation for a good customer. Remain steadfast. The nicer you are, the more likely a rep is to want to work with you.

4

Go after a different rep. If all else fails, call again. The odds of being connected to the same representative are slim to none, and it may take only a few calls to get a rep who sympathetic to your situation.

5

Ask for a supervisor. This is commonly referred to as a "supe call". Be nice about it. When the supervisor gets on the line, let her know that you have no quarrel with the rep you were talking to, but that you need help rectifying a situation that was beyond your control and beyond the control of the company.

6

Your last effort should be to call the company and ask to cancel your service. You will be immediately transferred to customer retention. The customer retention department will want to know why you want to cancel. Tell them that you had a 30 day late appear on your credit report and although you always pay on time no one was willing to work with you to rectify the situation. You may be surprised how quickly that late mark disappears when you threaten to cancel your service.