Late payments can be removed if they were reported in error, if the creditor cannot verify them, didn't follow the appropriate process to notify within a specific given timeframe or through goodwill negotiation with the original creditor. Here at Credisure Fix, there are certain laws and provisions we use on a case by case basis.
Understand the next steps
Explore these related guides for more detail, practical considerations, and sources.
Do Goodwill Letters Work? When Creditors Forgive a Late Payment
A goodwill letter asks a creditor to remove an accurate late payment as a courtesy. Here is when goodwill requests tend to work, when they don't, and how they differ from disputes.
Inaccurate Late Payments on a Credit Report: What to Know
Late payments can hurt a credit profile, but inaccurate, outdated, duplicated, or unverifiable late-payment reporting may deserve a closer review.
What Can Be Removed From a Credit Report?
A plain-English guide to the kinds of credit-report items that may be removable when they are inaccurate, outdated, unverifiable, or improperly reported.