Late Payment Removal in O'Fallon, MO

If you're a O'Fallon resident dealing with late payments on your credit report, The Credit Repair Guy can help. We specialize in late payments removal for clients throughout Missouri.

Late Payments can significantly damage your credit score and make it harder to qualify for mortgages, auto loans, credit cards, and even apartments. Our proven dispute process leverages the Fair Credit Reporting Act (FCRA) to challenge inaccurate items with the credit bureaus.

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.

Ready to get started? Schedule your free credit consultation and let our team show you what we can remove from your credit report.