How to Get Late Payments Removed from Credit Report

A late payment can drastically effect your credit score. Timely payments can contribute up to 35% of your credit score. This article will show you step by step on how to remove these late payments from your credit report.

Instructions

1

Get a current credit report from the 3 major bureaus (Equifax, Experian, and Transunion). Search your report for any errors on your report. If you find an error, file a claim with the credit bureau to have it investigated. The original creditor will have 30 days to provide documentation that is correct. If they don't provide this information, it will be considered inaccurate information and removed from your credit report.

2

Try contacting the creditor yourself. A phone call can go a long way if you get a hold of the right person. If you have always had a good payment history with them and missed a few payments here and there, talk to them and see if they will be willing to remove these late payments. This is commonly referred to as a goodwill request.

3

A way to avoid late payments is to sign up for automatic payments. If you try to the step above and they still refuse to remove your late payments, sign up for automatic payments and try again. They will see that you have signed up for automatic payments and might be more inclined to grant your goodwill request because they are ensured that they will receive their money on time from now on.

4

Lastly, you can always try to dispute an account and hope that the creditor does not provide the documentation within the alloted thirty days. This may not be considered honest by some people but it is worth a shot if you are desperate. Good luck!