Late Payment Removal Services

A late payment mark appears on your credit report when you fail to make at least the minimum payment on a credit account by the due date. Creditors typically report late payments in 30-day increments: 30 days late, 60 days late, 90 days late, and so on. The later the payment, the more severely it impacts your score. A single 90-day late payment can drop your score by 100+ points and remain on your report for seven years from the date of the delinquency.

We review your late payment history to identify potential errors in how the late payments were reported. Common issues include incorrect dates, duplicate reporting, late payments that were never actually late, and accounts reported as late during a billing dispute. We also help clients pursue goodwill adjustments from creditors when appropriate. Many creditors will remove a single late payment for customers with otherwise good payment histories.

Late payments are reported to credit bureaus when you miss a payment deadline by 30 days or more. Since payment history accounts for 35% of your FICO score (the single largest factor), even one late payment can cause significant damage. Our late payment removal service uses proven dispute strategies to challenge these marks and potentially have them removed from your credit report.