how to make a site

Call Us To Get Started


Late payments will remain on your credit history for a period of 7 years. If you’ve had a late payment reported on your credit report, you know how much it can tank your score. The good news is that the more time that passes your credit rating will start to improve. A little time and effort will allow you to get late payments removed from your credit report entirely.

GET LATE PAYMENTS REMOVED - If you have late payments within the last 12 months, you should get them removed. Most mortgage lenders require NO late payments within the last 12 months to be approved. Contact the creditor and tell them you have been declined for a home loan because of late payments on your credit report. Some creditors will remove the late payment if it’s your first late payment.

A few years ago, if you were late on an account that otherwise was always in good standing, you could just ask customer service to remove the late payment as a one-time courtesy and sometimes they would. That’s all been ended by the credit bureaus.

A creditor can no longer offer any kind of forgiveness for late payments unless the late payment was a result of an error by the creditor. If you ask a creditor to remove a late payment as an act of "GoodWill" it will get you nowhere. In fact, it will be notated you admitted you were late, and it will be more difficult to have the late payment deleted in the future.

HOW LONG DOES LATE PAYMENTS STAY ON YOUR CREDIT REPORT - Late payments are considered a part of your payment history and accounts for 35% of your overall FICO credit score. Late payments, just like any other types of account information will remain on your credit report for a period of 7 years.

However, initially a late payment has a bigger negative impact on your credit score. As it ages, the negative impact decreases month after month. A single 30-day late payment is something you can recover from in a few months if you have established a long credit history of paying your bills on time with no late payments. Multiple 30, 60 or 90-day late payments will have a more significant impact on your credit score and recovery will take longer.


1. Disputing the late payment with the creditor directly.

2. Disputing a late payment with the bank or creditor directly is often the most effective. If the late payment, is in fact an error. You can explain the situation to customer service to investigate. Usually, they will need some time to have a department investigate the error and respond. In most cases, if the error is on the creditor’s behalf, they will refund the late fee and have the late payment removed from your credit report. However, this is not always the case. If they refuse to remove the late payment, you can move on to the next step.

3. Disputing the late payment with the three major credit bureaus is effective as well. You can dispute anything on your report. The credit bureau must launch an investigation into the disputed account. They will send a request to the creditor asking for validation of the late payment. If the creditor fails to respond within 30 days, the late payment will be deleted. However, large banks and lenders have departments that handle credit disputes. They are usually very good about responding with all the information the credit bureau needs. This makes having late payments removed by disputing with the credit bureaus quite difficult; however, it’s not impossible.

Pay for Delete

By following these steps to have collection accounts removed, you can have the same level of success as I did. Contacting and asking the collection agency for a “PAY FOR DELETE” is one of the most effective ways to remove collection accounts from your credit report. This is when you agree to make a payment for the past due debt and the collection agency agrees to remove the account from your credit report entirely. Paying off debt collection accounts that are only reported as paid and not deleted do not improve your credit rating at all. If the creditor is not willing to work with you, just dispute it with the credit bureaus. In conclusion… A single 30-day late payment can be detrimental to your credit score and make it more difficult to get approved for a loan. One late payment can drop your credit score up to 75 points. So, how can you remove late payments from your credit report? These methods will work with credit card accounts, auto loans, mortgage payments, store cards, pretty much on any type of loan or credit account.