If there is a potential issue with making your payments manually, creditors would like to know how you can make it easier for them to get their money.Ģ) Negotiate a payment plan.
Creditors love it when you pay automatically, but many of them do not offer this ability online. There are several deals you can negotiate to get your late payment removed.ġ) Negotiate automatic payments. In the case that it’s neither of those things, you’re going to want to negotiate a deal with the creditor to have it removed. If you want to get a late payment removed, the credit bureau usually won’t do it unless the payment was inaccurate or fraudulent.
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Make sure to include your name, the name of the creditor, the real information about the payment, and the account number that it concerns.Īlso Read: DIY Guide: How To Dispute Items On Your Credit Report Negotiate A Deal With The Creditor If you believe the late payment was done in error (for example, the date on the payment was incorrect, or it’s reporting the wrong amount), you can dispute the late payment with the credit bureau that provided the credit report. Dispute The Payment With The Credit Bureau However, if you have multiple late payments from this creditor, they’re not going to want to hear it and would rather you pay immediately. Let your creditor know that you did not mean to be late and that there is more to the situation than you simply being late. What you’re doing here is applying the human element to the situation. Here are a few ways you can remove late payments from your credit report.Īlso Read: The Most Important Things You Need To Know About Your Credit Score 3 Ways To Remove Late Payments From Your Credit Report Request a Goodwill Adjustment From Your CreditorĬreditors do not want to lose you as a customer, especially if you usually pay your bills on time. Getting a late payment removed, depending on the situation, can be done very easily.
Often overlooked, these late payments can represent a serious threat to your credit.īut you can get late payments removed from your credit report with the right approach. Your payment history is 35% of your credit score, and late payments are one of the most damaging things on your credit report… even if they’re just one or two payments.
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