Late Payment Removal

A single late payment can stay on your credit report for up to seven years and is one of the most damaging marks your file can carry, since payment history is the largest factor in your score. If the late payment is inaccurate, or if it was a one time slip in an otherwise strong payment history, there are two real paths to getting it addressed. We handle both.

• Dispute inaccurate or unverifiable late payment entries with the bureaus
• Draft and send goodwill letters requesting removal as a courtesy
• Track the 30 to 45 day investigation window and follow up when needed
• Keep you updated with copies of your report as it changes

If the late payment is simply wrong, meaning you paid on time and it was reported in error, that's a dispute. We file it directly with the credit bureau, cite the specific inaccuracy, and the bureau generally has 30 days to investigate and verify the information with your creditor, or up to 45 days if you send additional information.

If the late payment is accurate, a dispute won't remove it. That's where a goodwill letter comes in: a direct, honest request to the creditor to remove the mark as a courtesy, usually because it was an isolated incident and your payment history with them is otherwise strong. Creditors aren't obligated to grant these requests, but many will for a good customer with a reasonable explanation.

Every credit file is different, so we can't promise a specific outcome for a specific account. What we can tell you honestly: successful disputes and goodwill removals typically reflect on your report within 30 to 45 days of resolution, and we'll show you exactly what changed once it does. For a deeper look at how the timeline works, read our guide on how to remove a late payment from your credit report.

Every credit file is different, so our pricing is custom. After a free consultation, we give you a straightforward estimate for late payment help before anything begins, and payment plans are available. If you want to know what is typical across the industry first, read our guide to how much credit repair costs.

The easiest way to start is a short survey about your biggest concern: start your free consultation, or call (754) 243-3020. Consultations are by video call or phone, in English or Spanish.

• How to Remove a Late Payment From Your Credit Report
• How Long Do Late Payments Stay on Your Credit Report?
• How to Improve Your Credit Score: Step-by-Step