Late payment removal

Why these come off

Late payments are one of the most commonly misreported items on a credit report. Payments get applied to the wrong month, a deferment or forbearance is not recorded, an autopay failure the lender already reversed still shows, or a payment made inside the grace period gets reported anyway.

We pull your payment records against what each bureau is showing and challenge every discrepancy. When a furnisher cannot produce records proving the late, the bureau has to delete it.

How the process runs

Common questions

Can an accurate late payment be removed?

Not by disputing it as inaccurate — if it is genuinely accurate and verifiable, it stays. What we find in practice is that a large share of reported lates have something wrong with them: wrong month, wrong count, or no records behind them.

How much does one late payment hurt?

On a strong profile, a single 30-day late can drop a score 60 to 100 points. The damage is worst when your score was highest.

How long do late payments stay on?

Seven years from the date of the missed payment. Anything older than that is outdated and should come off.

What if the lender already agreed to remove it?

Then it should be gone. Lenders routinely agree to a goodwill removal and never actually send the update. We chase the furnisher and the bureaus until the report matches.

Do all three bureaus show the same lates?

Often not, and that inconsistency is useful. If one bureau shows two lates and another shows four, at least one of them is wrong.