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Jan. 14, 2008 - How to Remove Late Payments from Your Credit Report

Most people know that if they pay their bills late, their credit scores will suffer. However, most people don’t know this: According to Credit.com, a single 90-day late payment is as damaging as a bankruptcy filing, a tax lien, a collection, a judgment, or a repossession. It doesn't matter if you're late paying a $50 credit card bill or a $2,000 mortgage payment.  All that matters is that you were 90 days behind in paying your due balance.

 

Looking to Get Late Payments REMOVED from Your Credit Report? 

Call or Visit Lexington Law  for a Free Credit Consultation: 1-800-220-0084

 

Payment punctuality counts for about 35% of your overall credit score. Paying bills on time is generally the single most important contributor to a good credit score. Being late on any bill, for any length of time, is a possible sign of future non-payment of debt and is always viewed negatively by lenders. Late payments stay on your credit report for 7 years from the date of the initial missed payment.

A 30 or 60 day late payment will damage your credit score only while it is being reported as currently past due. They usually don’t cause lasting damage to your credit score after this period passes unless you make 30 or 60 day late payments on a regular basis.

If you only have a few 30-60 day late payments listed on your credit report, the best thing to do is contact your creditors by phone and ask them to remove it. Tell them a nice little story and ask them nicely to remove it. Follow the conversation with a written request to have the isolated late payments removed from your reports.  However, if you consistently make late payments, it will probably take a little more effort.

As mentioned, a 90-120 day late payment is extremely damaging. At around 90-120 days, the creditor will usually write off the account and it will stay on your credit report as a charge off for 7 years.

If you are unable to get the creditor to remove the late payment history from your reports, there are a few other ways to do it. One of the best ways is to dispute them with the credit bureaus.

To learn more about how to remove late payments, call or visit Lexington Law for a FREE Credit Conslutation: 1-800-220-0084

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Feb. 5, 2008 - Question about removing late payments

Posted by Maria
HI Chane,

This site has been very helpful to me today. Thanks for everything you do to put it together.

I have a question.. By mistake, I missed my december equity LOC when I paid my bills. They called but I didn't get the message during the holiday chaos. I did finally talk to them, but only after it was 30 days. This is the only delinquency I have on my record. Our scores range from 749 to 823.

I really hate having any bad marks on my credit. Plus now that the interest rates are going down, it would be a good time to refinance.

It would be wonderful to get it removed. Do you think it is possible? Should I contact the lendors credit department directly? If so, what is the name of the department that handles credit reporting? Anything else I might do?

I would be grateful for any insights or guidance. Also, if I get it removed I will send you one of the best motivational books ever.

best regards,
Maria Sayare
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Feb. 26, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by Brittany
Chane,
I have a quick question for you. I've been working on taking some lates off of my credit and it's a very difficult and sometimes a frustrating process. The number one response I am getting to my request is that it's illegal for them to remove a late from my credit because then they will be reporting false information. I know I can get around that because I have, but I just was wondering what the laws REALLY are and what I can counter that claim with. It's really frustrating not knowing.
Thanks so much!
Brittany
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Mar. 14, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by John Armstrong

The reporting of late payments (those prior to collection action) are a very 'gray' area... the FCRA Section 605 and any subsection does not include reporting of late payments, only collections. But, it does outline what can be included... and none of those items are 30 - 60 day late payments.

So, fight them all.

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May. 27, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by C. Steiner
Quoting Maria:
HI Chane,

This site has been very helpful to me today. Thanks for everything you do to put it together.

I have a question.. By mistake, I missed my december equity LOC when I paid my bills. They called but I didn't get the message during the holiday chaos. I did finally talk to them, but only after it was 30 days. This is the only delinquency I have on my record. Our scores range from 749 to 823.

I really hate having any bad marks on my credit. Plus now that the interest rates are going down, it would be a good time to refinance.

It would be wonderful to get it removed. Do you think it is possible? Should I contact the lendors credit department directly? If so, what is the name of the department that handles credit reporting? Anything else I might do?

I would be grateful for any insights or guidance. Also, if I get it removed I will send you one of the best motivational books ever.

best regards,
Maria Sayare
 

Maria,

I'm sorry I didn't answer your question sooner.  I'm just now seeing your comment. 

Hopefully by now, you've gotten it removed. If not, call the bank immediately and let them know of the mistake. They should remove it. 

If they don't budge, dispute it with the credit bureaus. 

Good luck!

Chane
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May. 27, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by C. Steiner
Quoting Brittany:
Chane,
I have a quick question for you. I've been working on taking some lates off of my credit and it's a very difficult and sometimes a frustrating process. The number one response I am getting to my request is that it's illegal for them to remove a late from my credit because then they will be reporting false information. I know I can get around that because I have, but I just was wondering what the laws REALLY are and what I can counter that claim with. It's really frustrating not knowing.
 
Thanks so much!
Brittany
 

Brittany,

It's absolutely not illegal for them to remove a late payment from your credit report, it happens thousands of times a day.  Have you tried to dispute them with the credit bureaus?

Chane
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Jun. 18, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by douglas

I have a 30 day late mark from march on my credit report. I lended my dad my Macy's card so he could buy my mother a gift, and I forgot about the charge until too late.

This is preventing me from getting a student credit card, something that I'd like to have to build credit for when I graduate in 2 years.

The card is a Macy's Visa, so, who should I contact about trying to repair this?

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Jun. 18, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by C. Steiner
Contact Macy's and ask them to remove it.  They probably won't, but it's worth a try.  Then, you should dispute it with the credit bureaus reporting it.
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Jun. 29, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by Martin

I just pulled my Equifax credit report from myfico.com.  In the report it shows 4 consecutive inquiries, resulting in a 120 late on the report.  I had closed out a Bank of America credit card back in december of 2006 and when I paid it, I called for the payoff balance including all accrued interest and then paid it off by check. Two months later in February of 07, I get a bill from B of A for interest charges. I called and their representative answering the phone said they would be reversed and any credit inquiries will be reversed. This continued for 4 months until I spoke with the higher authorities at B of A, and they finally reversed the charges permanently.

Tonight I called B of A and they told me to call back M-F from 8am to 10pm and talk to the credit department and they will see if my story is true and decide what road to continue down.

I am now in the market for a mortgage and I have a fico of 652.  Ive had several 30 and 60 day inquiries on my credit reports in the past, but have been clean for nearly 2 years. 

My question is 2 fold, what do I do to fix this, and if I do fix it, what will happen to my fico.

Any info you can share would be greatly appreciated!

Thank You in advance!

--Martin

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Jun. 29, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by C. Steiner
Quoting Martin:
My question is 2 fold, what do I do to fix this, and if I do fix it, what will happen to my fico.

Any info you can share would be greatly appreciated!

Thank You in advance!

--Martin

 
Talk to their credit department.  They should remove it for you.  If not, dispute it with the credit bureaus.

Your scores will most likely increase if this gets removed - maybe up to 50 points.  It's hard to say without seeing your whole file.
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Jul. 11, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by Darren
Hi Chane,

I have a question in regards to your great article.

I have had a bank of america credit card for over 5 yrs. 3 yrs ago I moved and called in to have my address changed. They copied the new add. wrong and I never got a bill for one month. I didn't notice until it was past the due date so I called in and spoke to customer service. They apologized for the error and removed the late fee on my account. However, the 30 day late payment still shows up on my credit report. I have called multiple times and have disputed with the credit bureau's but never get anywhere.

A similar situation happened a little over a year ago where an unauthorized charge showed up and I called in and said I didn't approve of it. BoA called the company that made the charge and they said I ok'ed it. Then BoA refused to credit my account--I refused to pay and eventually had the charges reversed via the Better Business Bureau but low and behold BoA shows a 30 day late payment on my credit report for this issue as well.

What gives? Besides these 2 instances my credit is spotless but they refuse to budge. Due to this stance I have not used the card in over 9 months. I have a credit history of over 8 years and these are the only negative items on it--and they shouldn't be there. Any idea's on how to get them removed?
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Jul. 24, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by Daniel
mines a complicated questions but i haven't found any help anywhere.  I'm in the National Guard.  I was stationed in Afghanistan for a year and a half.  While I was gone, my now ex wife was in charge of my finances and RUINED my score.  Is there ANYTHING I can do??
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Aug. 24, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by Tammy Seiber

  Hi,

I have a 30 days late on my credit report for a car loan . I have been paying over the phone I made a payment on the weekend which was on Sunday and it took 2 days to clear. First i called them (toyota) and asked them if the payment was posted the day it was made and they said yes, they also told me if it fell on the weekend it wouldnt count to Monday. I called them when I saw this on my credit report and someone else told me that was it took 2 days to post and who ever told  me that was incorrect.  Help, should I write Toyota or dispute directly on my credit file.

                                                                  Thanks

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Aug. 27, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by lorin
I have a question. I didnt get the notices for my student loans as I thought they were due one year past graduation not only six months. Now I have some 90 day lates on my report. I am now in forebearsnce which is retroactive covering from the begining of my repayment. So now I am current with the lender and not late however they are not willing to take off the lates or give me any documentation other than that I am current on the loans. I am trying to buy my first house and really need to fix that asap. Any advice?thanks!
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Aug. 29, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by mario

i had great credit score 750 points

but i was 90 days late on a morgage payment

i had this house for 3 years and i have never been late on any

payments entill now please advice on wat to do and what i need to  do to get best results and if i have to make up a storie which will be appropiate.

best regards, mario cifuentes

p.s. please send your information and advice if is something you can help with.

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Sep. 19, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by TRE
120 LATE ON MORTGAGE HOW DO I REMOVE LATE PAYMENTS?
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Sep. 24, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by Dee
i ran into some unexpected financial difficulties and fell behind on a federal student loan. i was not able to pay in full some months and therefore made partial payments. They weren't reporting me until recently and now i have a 120 day late on my credit report. i asked them if the account is current can it be removed. i was told that in order to keep from being continually reported to bring the account current, but that they could not remove.

what should i do now?
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Sep. 30, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by Sue
 I just came across your site and I want to thank you for the valuable information.
Heres my situation:
When I last checked my credit in April my fico score was 716 which I think is decent but I have one late payment of 30 days late back from Aug 05 on a discover credit card. Do you think its possible to have that removed being that it's from so long ago?
Thanks
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Oct. 31, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by Melissa

OK I was dumb.  I had opted for electronic billing from Chase.  My spam filter blocked the statements and I wound up overdue on a couple Chase credit cards.  I had never ever been late on anything before and my credit scores were around 730.  Now they're 590.  Everything is paid  up now.  Can the damage done by my oversight be repaired?

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Nov. 10, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by George

Does anyone have sample letters they sent to the credit cards companies or credit bureaus?

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Nov. 26, 2008 - RE: How to Remove Late Payments from Your Credit Report

Posted by Trisha

I recently found that I have a 30 day late payment on my credit report. I had purchased a gift for my parents on the Macy's card (which initially had 0 balance) and I accidently missed the payment. When I noticed the balance on my online account, I immediately payed the entire balance off , however the payment was 60 days late from the due date. It was also reported to the credit bureau as a 30 day late payment. This is the only delinquency on my record.

I am trying to get a house mortgage and due to this late fee record, my credit rating has dropped to such that my loan will not be approved.

I have tried to speak to the Supervisor at Macy's credit services, and she said that it is illegal for them to withdraw the report from the credit bureau. I would like to know if there is such a law, and  what can I say to the Supervisor to get the delinquency record removed from my report. Are there any other options to resolve this issue?

Please adive.

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Feb. 2, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Larry

I was over seas during 2007 and was paying my bills via the internet, some how I missed one of my credit cards during my tour.  Upon my return, I paid the credit card off, but I have late payment of 30, 60,90, and 120 days on my credit history.  They are the only bad marks on my history.

I called the company to see if they would remove them, but becuase the account is closed they cannot.  Is there anything I can do to get rid of these?

thanks!

larry

 

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Mar. 18, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Kay

If you go to the credit bureau and run your report, click on dispute. (this is really easy to do with transunion). One of the MANY reasons is 'change of address, never received statement'. And I also checked on here 'never late'. This should help you, because it definitely helped me. When we moved, I went online and put the new address in. But by the time the bills became due (some 13 months later), is when we realized that they had not updated my new address. So we had been gone for over a year and of course the forwarding order had expired by then, so it couldn't get forwarded from my old address.

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Mar. 31, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by john

i missed a month paying a auto loan so it was hard to catch up but i made the payment that next month on that day wich was the 30th day they told me it is late but not 30 days late unless they where closed come to find out they said they have ten 30 day lates reported with in 2 years of payments since i paid on that day with a check they said it did not clear that day so thats what maid it late the bank said it isnt 30 days late yet but the 800# said it is i am hearing to many diffrent storys from the same company what should i do

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Apr. 3, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Benny

I had a re-occurring payment for my mortgage coming out of TD bank and one time I had insufficient funds and they just sent me a message to my account.  I only found out when I went to re-finance that I had a 30 day late payment.  I had money in the account but I didn't know it was taken out for month.

Now the mortgage company put it with all three credit bureaus as 30 day late payment and they my mortgage company (countrywide) said they wouldn't call the bureaus to take it off because it would be false information.  Who am I supposed to call to get this taken off, the credit bureaus or the mortgage company?

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May. 11, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Richard Moore

How many points are deducted on the credit report for a 30 day late car payment?

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Jun. 4, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Ryan

I am a primary borrower on a mortgage, my girlfriend is a co-borrower.  She paid me her portion of the mortgage and I could not pay mine in time.  It passed the 30 day mark, not by much, but it passed it.  It has not hit our credit reports yet.  My question is, is there ANYTHING I can do to see to it that her report does not reflect the 30 day late on a mortgage?  She paid me, she was paid.  I couldn't pay in full and the lender does not take partial payments.  I'll go a legal route if I have to, if that ensures she is not penalized on her credit report.  PLEASE HELP!!  She worked very hard on getting her credit to where it was and we never missed a payment before.  Is there anything I can do?  I am not trying to remove it from my report.  Only hers.  Any answers would be so very much appreciated.  Thanks. 

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Jun. 20, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by CreditPleezeHELP!

 

Celink Mtg out of Lansing, MI has reported a 30day late on my credit report which they are refusing to remove given the circumstances. This act caused my credit score to drop over 80 points at once and have put me in a position where I cannot get ANYTHING done I was later denied for a home loan I was approved for due to this negative reporting. Also it has caused me to lose thousands of money in business transactions. What happened was at d time d payment was mailed in, i was hospitalized. My sis mailed out d payment along w/ another check that cleared so I KNOW she mailed it but somehow it never made it to Celink. I was d one who called them (32 days late now supposedly) to find out d status of the check because I noticed it had not cleared my account. That was when I was informed that they ARE going to report me late no matter what. Before I put a stop payment on the check and paid d past due amount and current but they refuse to remove the negative mark. Yes I have been late before ONLY due to illness and NEVER been 30 days late. Also what I was told is that they go by when they receive the payment and they are able to sort out which account it’s for because coupon was not included need. I explained the house where the payment is being mailed to is vacant so I do not get any statement I just send in the regularly due payments. At this point the way things are going, I am definitely going to have to file bankruptcy all for $260 when i have other accounts bigger than this that have NEVER defaulted such as my car note of $870/mth and the vacant property for which this Celink loan (2nd Mtg) is for $1520/mth (for the past 19mths - vacant) the major ones amongst the rest) excluding my Rent of over $1000/mth but i make the payments to keep my credit clean. I would not ruin my credit over $260! (when i have never with all the others) I am self employed and i have my cash tied up in properties i own which require refinancing to get them out, refinancing requires credit check and with this i cannot refinance or get my money out and can't continue with my other payments starting NOW. I need to know what other legal step I can take to remove this WRONG REPORTING after all, i am not in control of the post office. PLEASE HELP ME!
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Aug. 17, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Jane

i am desperate. I was advised by my mortgage company to be late 2 to 3 months in order for them to consider allowing me a short sale. They would not even entertain any talks because i was ontime. I have finally been able to sell the house. but now the lates are causing my other accounts to lower credit limits and this will undoudtedly impact my credit further. I have written the bank asking them to remove the lates because if not for them i would not have been late and/or to report my account unrated once the sale is final. They tell me that because of the FCR they are bound to report things the way they truly are. I am desperate and dont want to mess myself up further with any other account and would like to be able to recover from this.. PLEASE ADVISE

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Sep. 8, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Michael Lach

I have found that the best way to remove the inquires is to use a non-profit corporation that is fee based, per an item.  I used http://www.removemycreditinquires.org and they removed lots of my 30 and 60 day lates for me after 2 months of trying on my own.  They only charged my $15 for each item.  After $90 my score went from 530 to 710.  later on I used them to raise my FICO score by takign off hard inquires from Experian, TransUnion and Equifax.  I was spurised that those inquires came off and when they did my credit score went up 30 points.  For $15 they are who I use constantly.

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Sep. 23, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Anonymous

Quoting lorin:
I have a question. I didnt get the notices for my student loans as I thought they were due one year past graduation not only six months. Now I have some 90 day lates on my report. I am now in forebearsnce which is retroactive covering from the begining of my repayment. So now I am current with the lender and not late however they are not willing to take off the lates or give me any documentation other than that I am current on the loans. I am trying to buy my first house and really need to fix that asap. Any advice?thanks!
 

Yeah same exact situation.  I never got any notices from the lender (US Gov).  They won't do a damned thing.  I had no idea that I was in repayment and then when I tried to level with them they just said sorry...can't help.  I hope these people take over healthcare.

 

 

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Sep. 27, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Michael Lach

I used a non profit group in the past to remove negative items.  They charged only $15 to remove each inquiry and late comment.  It seemed like a good deal to me as sending the letters to remove inquiries and lates was such a pain.  http://www.RemoveMyCreditInquiries.org was their website. 

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Oct. 5, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by tom

Hi great site got a ccj sat aside have all my cards and accounts paid in full and no missed payments .  bein cleaning my file over a year now . had a lone 2 years ago from black hourse missed some payments then paid it in full its sattled on my file over a year .  sent them a letter witch i got online and they said what is on my file is a true payment history and they will not remove the missed payments i want them removed so my file will be spotless . ive been a member of credit expert experin . i was gona pay a credit repair but you read that much online about them bein a scam do these work or can i do anything eles to have these removed . where even can i get a credit file law booklet is there such a thing

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Dec. 18, 2009 - RE: How to Remove Late Payments from Your Credit Report

Posted by Janice Swafford

I am in a dire strait here and need some help.  We had a hurricane in our area last year, and my mortgage company offered (because the government declared us a disaster area) a loan modification whereby we wouldnt have to make 3 payments and they would put them on to the end.  Well, we received a promissory note in the mail that had our mortgage company loaning us the money for the 3 payments and my husband signed it.  The note said we would need to pay an addition 44 dollars beginnning in July of 2009.  I never received a payment book, or statement, so in july i called my mortgage company and they told me that it was totally separate from my mortgage and that i would be hearing from them.  Well, i didnt hear from them until october and at that point i was already 4 payments behind and one more due.  I paid this completely as soon as I got the information, but yet the 90 days late is on my credit.  This will ruin me I know, and I want to get this off of me because I would have paid t his in July if I could have found out who to pay.  Please advise me as to what I can do.  thank you.

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Jan. 1, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by Lisandra

Hello, I hahe a 31-60 days late payment on one of my credit cards, It is just $16, but I did not know that I owed that money. I already paid it, but it is still on my credit report, and it damaged my score. So, how can I fix that as soon as possible because I want to apply for a mortgage loan?

Thankssss,Lisandra.

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Jan. 15, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by Vic

My girlfriend is having same problem. Where can I find written proof that it is not illegal? What exactly are the banks referring to when they state this?

Thanks!

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Jan. 20, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by Anonymous

Chane,

I am in the process of cleaning up my credit. I am opting to do this myself rather that singning up with Lexington Law firm. Is this a wise decision?

I have started by calling Sallie Mae since this is the number one account that is damaging my credit. I have had this transferred, charged off and everything else imaginable. When I contacted them, I asked them if they could remove all derogitory entries including all of the late pays as well and what they did is they had me send my credit report with me highlighting what I wanted removed. With that they also requested that I write a letter explaining why I would like this done. I asked that they do this out of good faith since I now have my account current with them and that I have also enrolled in automated debit to pay my bills on time. Do you think they will complete my request? or should I have taken a different approach?

Any additional information you may have will also be appreciated.

Thank you,

Tom

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Jan. 21, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by PR615

Could you please let me know what higher authorities you spoke to to finally get resolved...I am going through something similar and get stuck between customer service and an overseas department.  I am getting nowhere.

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Feb. 3, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by tom

many times you can ask whoever is reporting you late to the bureaus , to please remove the late status as it is creating a hard ship for you ie trying to get a mortgage ect...... and dont give up if  they say no keep calling and trying ask to speak with the superviser or mgr  of the dept   sooner or later you will get a nice person... be polite and sincere  ask them to fax you a letter updating their internal reords  if they can , or at least what the told u they will do.   

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Mar. 21, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by shannon

I received two late payments on my mortgage..for December and January 2010. I made my payments at the last day of the month being advised by bank that I would be safe. It didn't post till the 2nd giving me a thirty day late payment. I have disputed w/ credit bureaus..Is there anyway around this?

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Mar. 21, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by tanya

I always had excellent credit.  my husband and I opened a home equity loan two years ago at the local bank, and have never used it.  consequently, when I receive mail from that bank, I do not expect a bill and always place that mail in a pile to open later.  Unfortunately for me, there is a yearly fee of 50.00 dollars to keep the account open...so by the time i opened it, and paid it it was 90 days past due.  This killed my credit.  We have never drawn a dime against this account.  the only item that is late is 50.00 for the yearly fee.  How can I get this off my credit??

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Mar. 31, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by Nik

I am in the process of doing of credit clean up and ran across an account I have from Bank of America with 9 delinquent payments ranging from 30-120 days late all in a row.  Going back through my payment history, this was during the time that I had made payment arrangements through Bank of America to reduce my minimum payments and these were scheduled to be automatically withdrawn from my account on a certain date each month and they were taken out.  Since I was on a payment arrangement through B of A, should this still be considered a late payment or should I be able to dispute this??  Any help would be greatly appreciated because this has knocked my credit score down to 589!  Thank you!

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Apr. 5, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by sam

I was only 28 days late and now they are saying/reporting 30 days late to the bureaus. The question I have is a payment due on 2/1 "30 days late" if paid on 3/1? whith Feb only having 28 days how can it be 30 days late.

Any help or comments would be appreciated.

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Apr. 12, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by Josh

Question:  2 years ago I ended up paying my car payment late for 6 months in a row.  I did not realize I was paying late but now there are 6 30 day late payments on my report.  They showed up recently when the finance company sold off to another company.  What is the best way to get this removed?

If I trade this vehicle in and purchase another or if I pay it off entirely will this help my situation?

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Apr. 26, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by Justin Brown

I have a late payment over 30 days on my report. The reason why it was late was because capital one didn't have my correct address. After correcting this, I made my payment and they said they removed my late payment and my late fees. It is still showing up on my credit report and I disputed it with the credit bureaus.After the dispute the results came back that everything was correct. What should I do now?

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Jul. 14, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by Mike

My wife and I dovorced and at the time the value of the house had dropped in 2006 from when be purchased it in 2003.  It was worth $240 when we bought it but the value was $165 when we divorced.  We could not sell it and didnt have the money to take the loss.  we stayed together for over a year after the divorce to try and sell the house because we didnt want out credit ruined by letting the home go into foreclosure.  I asked the mortgage company for over a year if they would do a short sale and they declined because we were making payments.  Eventually I could no longer live there after the divorce and the mortgage company said the only way they would accept the short sale was if we stopped making payments on the mortgage.  So, we did and they did do a short sale after 4 months.  It was better than a foreclosure but now we have 3 late payments on my credit report.  This is keeping me from purchasing a new home even though we both had perfect credit until the shortsale.  Is there anything I can do to get these late payments removed.  It's funny that the mortgage is reporting the loan paid in full but shows these late payments.  I could use your help to odetermine who I need to pay to help me get these lates removed so I can purchase a house.  I tried to get them to do the short sale while we were still living together and trying to protect out credit but the value of the house prevented us from selling.  And, with us being divorced we couldnt continue living together forever so it was either a short sale or let the bank take it back and we wanted to do as little damage to our credit as possible.  Please help.

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Jul. 21, 2010 - How to remove collection from my file

Posted by Sirish Pondugula

Hi,

I went to my home country for one year and missed two payment which went to collections. I came back recently and found two collections. I paid them immediately after knowing that. What can I do to improve my score and make it clean? Is there a way to do that...quick reply would be appreciated..

Thanks,
Sirish.

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Jul. 23, 2010 - RE: How to Remove Late Payments from Your Credit Report

Posted by Anonymous

what reasin do you give to remove a 30 day delinquency when disputing it with the credit bureau if you simply forgot to make your payment?

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Mar. 15, 2011 - credit file repair

Posted by credit file repair

You have given a very good explanation and solutions of the how to remove late payments from your credit history which is really helpful for me.

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Mar. 19, 2011 - Help for the disabled/handicapped

Posted by Scott Bates

Back in 1990-91 I had 4 credit cards, all maxed out.  I also had a loan ($4000) from Washington Mutual, which I was able to make a few payments on.  Suddenly, after being hit on a motorcycle, I was handicapped and unable to make any further payments.  Everything went to collections.  It's been 10 years now and some of the debt was written off, but some of it wasn't. 

Is there an option for people who were - one day, completely healthy and the next day, completely handicapped - to get these items on my reports removed.  I am on Social Security now, I receive Medicare parts A, B & D and I'm also on food stamps and receive a disability pension from the DAV (I'm a disabled Viet Nam era Veteran).  There was no way I could pay off this 10+ year old debt.  Now I need to purchase a car so I can be driven around town to do my chores and errands.  Is there a way for me to have these old items removed from my credit report and have my score improved.

It seems to me there should be some type of government program or something that would allow me to have my old credit purged and a healthy new credit score returned since the accident was not my fault yet it left me unable to work.  If not, is there anything I can do (other than pay off this debt - which is impossible) to clean up my credit?

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Apr. 10, 2011 - RE: How to Remove Late Payments from Your Credit Report

Posted by Lola

I was wondering if you could clarify how to dispute a late payment wih credit bureaus. I have one late payment which was not removed even though the cc company said they will remove it. I am just tired of dealing with Chase, they are not very nice about it and I was wondering if I can remove by contacting credit agencies directly. Please advise

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Nov. 29, 2011 - How to Remove Late Payments from Your Credit Report

Posted by gLOri

Hi, my question is I have my dept of education studen loan, which never sent me a request to collect a debt.  I sent a letter to the bereus to investigate and request proof, but I received the letter back with the late fees posted, and the explanation all it is that they would update the total I am owing but I get no explanation as of what proof they have that is valid to report late payments of my report.   

Now I notice that in Transunion they are reporting 90 days on April and 120 days on May , Experian and Equifax on Febuary90 days  and March 120 days.  I had acknowledge the account on May, due to when I was requesting a home loan, is where I get this notice, if not it would have been worst... I show a statement that I did pay May without no late fees... Can this be consider that they are reporting bad information to the beraus... I could write back and show them proof that I did my payment, and they would be obligated to remove the late 120 days late payments, would that applied to the other 120 days even though they are reported on different months, I hope you get where I am meaning to say... Clearly they are reporting what ever they want... What do you think???

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Dec. 13, 2011 - RE: How to Remove Late Payments from Your Credit Report

Posted by Cynthia

I was in the process of trading in 2 vehicles to a dealership, one of the vehicles was being driven by my ex-best friend and due to her negligence of paying on time I took the vehicle to trade it in she always made the payment before the grace period but they were late at least 4 time in a 2 year period So I decided to trade in hers and mine to get one vehicle hence 1 payment the payment on her vehicles was late but there was a 10 day grace period. The dealership told me not to pay the last payment due to them paying off the lien so I didn't pay the last payment thinking it would taken care of. The dealership did pay the Bank within the 10 day grace period but according to the bank it was still late. I tried calling the bank and asking because the lien is paid off if they could possibly take off the 30 day late payment I even disputed with my credit keeper.com and still no change. IS there anything I can do? My credit score dropped about 30-40 points and I have never been late on any payments for the past 6 years. Please HELP!

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Jan. 20, 2012 - RE: How to Remove disputed entries from Your Credit Report

Posted by David

 

I applied for student line of credit and I have a cosigner but I was turned down. I got a free report from Equifax, there are some entries showing non-payment in my student loan and they placed an I4 status next to it. I called my student loan agency (OSAP) and it turned out to be a mistake since I am still a full time student, they said they are doing an investigation and they are going to remove the entries.

 

How do I ensure disputed entries are removed from my credit report and when they do come off, will my score improve?

How long does it take for my credit score to improve?

What can I do about it since it is because of their mistake that I my loan was turned down and I am not able to continue my education with out that line of credit?

Thank you



 

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Jan. 31, 2012 - RE: How to Remove Late Payments from Your Credit Report

Posted by Veronica Lauren

Hi,

I've been working hard to repair my credit over the past year - The final things that are affecting my score are a chargeoff and the fact that my home loans - which were paid off by my ex husband when we refinanced after divorce, show no information it just shows as a $0 balance. The credit reports are saying "too little information" on home loan accounts. Is there any way to remove a charge off or add information about my realestate account?

 

Thanks for all of the information.

 

- Veronica

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May. 14, 2012 - RE: How to Remove Late Payments from Your Credit Report

Posted by How To Get Free Credit Report

 It's amazing how quick the credit bureaus are to add a negative mark to your credit as opposed to a positive one.

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Jul. 16, 2012 - Is it against the law

Posted by Andrea

 Is it against the law to write off some ones account off before there 90 or 120 dys past due.... I use to work for a finance company and I I stop working there I made my payment in march and I refinanced it in April and by may a previous employer told me that my ex boss had wrote off mine and my husbands account off... Supposly she got permission from her manager that it was on to write mine off but did not get the on to write my husbands account off... Is this something that I should really look into... My credit is not all that great but I am trying to rebuild it....

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Jul. 27, 2012 - RE: How to Remove Late Payments from Your Credit Report

Posted by William

I paid my June Mortgage payment from the wrong checking account. This was an honest mistake. I received a 30 day late on my credit report, right when I was getting ready to refinance. They said I will have to wait for a year. This will cost me $4000.00 to $5,000.00. How can I fix this quickly.

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Aug. 27, 2012 - RE: How to Remove Late Payments from Your Credit Report

Posted by Ashley

Hello,

I have encountered a situation in which I had no clue about.  I cosigned an auto loan for a friend of mine a few years back. All correspondance with the finance company went directly to him, including phoe calls and such. I had my report pulled for a new auto loan for myself and was denied because the loan I signed for had 18 late payments including 1 payment that was 90 days past due.  What are my options?  Can I fight the finance company since I had no clue about this? Since there are that many late payments, do you think they would be able to remove them?

 

Thanks,

Ashley

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Sep. 11, 2012 - RE: How to Remove Late Payments from Your Credit Report

Posted by Re: Ashley

You cosigned, therefore, you are responsible just as much as your friend. Never cosign for a friend unless you are willing to ruin your credit for them. Unless they forged your signature and you weren't aware of the loan, you are responsible. There is no chance that they will remove it since it is valid information about your credit. You essentially let you friend have control of your credit score.

Your friend needed a cosigner, therefore they don't have great credit. That may be because of age and credit history, but in any case it's not a great sign. Cosigning should not be taken lightly. It's like signing a loan yourself. Even if they payed on time they are using part of your available credit.

 

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