The Top 3 Easiest Ways to Get Late Payments Removed From Your Credit Report

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One of the most significant factors that count toward your credit score calculations is late payments; they are a big deal because they can stay for a long time on your credit report unless you do something to get late payments removed from your credit report.


Seven years is the maximum amount of time that late payments stay on your credit report which means it will affect your ability to get loans, better interest rates and any other type of credit or financial request that involve checking your credit score. Nobody wants mistakes surrounding their credit report and late payments can bring your credit score down once they are reported by your creditor and each credit bureau on your credit report.


1. Talk to your original creditors

Sometimes, if your previous payment history is good and if you have established a great relationship with your creditor, some lenders can grant an adjustment.

A goodwill adjustment from your creditor might be the easiest way to get late payments removed from your credit report. The process is not hard, and you need to write a letter to your creditor explaining your situation with late payments. You should ask your creditor to forgive your late payment and make an adjustment to your credit report. You can achieve this with a sample letter that kindly asks for an adjustment.

Some creditors also offer to remove late payments from your credit report if you sign up for automatic payments as an exchange. This idea will likely help you to ensure future payments to your creditor to increase your creditworthiness.

2. Dispute inaccurate information

We always suggest that you check your credit frequently; you can ask for a free copy of your credit report from each credit bureau, so from there you can monitor what is going on inside of your credit report. If you find any inaccurate entry on late payments such as amounts or dates you can dispute late payments as inaccurate to get them removed from your credit report.

Creditors can have some difficulty on verifying all details of your account sometimes, but if you dispute your inaccurate late payments information and they are not able to check it, those negative entries must be removed from your credit report.

3. Get your late payments removed from your credit report by professionals.

Professional help to get late payments removed from your credit report is definitely an option worth considering, so that your credit score is not affected for the long term. Professional Credit Repair companies can assist you in choosing the right strategy meant for your needs, and will work on your behalf to clear your credit of all of the negative credit accounts that are holding you back from achieving the financing, apartment or even the job that you are looking for. We suggest DeletionExpert.com get all your negative items and late payments removed from your credit report.

How long will late payments affect my credit report?

How Long will Late Payments affect my credit report? This is one of the questions that keeps consumers awake at night, but it doesn't have to be that way. Late payments are reported when you are more than 30 days late with your payment, and they can remain on your credit report for seven years. It might seem like a lot of time because they are the factor that impacts your credit score the most.

However, there is a way to minimize the damage to your credit score and you can either dispute your late payments in case of inaccuracies or get late payments removed from your credit report with a professional credit repair company's help.

Missing late payments

Late payments are also known as delinquencies that will typically fall off your credit score because they are reported on your credit report for almost seven years from the original date of delinquency.

You must try to avoid paying after 30 days of the delinquency date because if you do it in May 2018, for example, then you might have the negative entry through May 2025. The same applies when missing two payments in a row. If you had a late payment by 60 days your account and credit score will be drop down and both payments will be legally removed seven years from the original delinquency date.


My credit score is affected

Late payments usually have different impacts on your credit score depending on the situation of the person, but some general things apply to almost everyone.


The longer is the delinquency; the more negative the impact on your credit score will be, in other words, 30 days late payment will hurt your credit score less than 90 days late payment if you do not get it removed from your credit score as soon as possible.


The number of late payments reported on your credit report matters. The more delinquencies you have, the more negative the impact will be, and has the worst effect when it is first reported, but then decreases over time.


It’s important to know that the length your credit report is affected will not only depend on late payments but also other negative items or entries. These negative remarks include collections, late payments and others-each credit bureau has its way to evaluate your information and deciding your credit score which is the reason why your credit scores may vary depending on the credit bureau being pulled and reviewed.

Minimize the effect of late payments while you try to get them removed from your credit report

In the FICO credit scoring model, your payment history is a big deal because it accounts for 35% of your total FICO credit score. If your bills are past due, you better pay them as soon as you can to avoid increasing the damage caused by late payments.

Writing a goodwill letter to your creditor, as we recommended can help, there is no guarantee it will work, but you can take the chance to explain your history with the lender and take responsibility for your mistake.

After that, you can try to negotiate with your creditor to remove late payments from your credit report so the number of negative marks on your credit report decrease. Also disputing any error you see when you check your credit report is very important.


Remember you have the right to dispute all errors you see on your credit report and the three major credit bureaus to check your credit report are TransUnion, Experian, and Equifax.


The best thing you can do is avoid late payments, you can set automatic payments to pay the minimum amount each month so you will never be late with your payments anymore, but we are humans and just in case you make a mistake by missing a payment don’t worry about your credit score and look for professional help with a credit repair service to get all your negative items included late payments removed from your credit report.

This article was written by GrandTetonProfessionals.com for DeletionExpert.com For Sales and Support, Please Contact us at 203-297-6090 or, email us at: Support@DeletionExpert.com. For Media Relations, Please Contact Misty.Burrell@GrandTetonProfessionals.com .