Delete 30 Day Late Payments From Your Credit Report

If you have ever seen your credit score suffer as the result of a simple late payment, you know just how frustrating this situation can be. With one simple mistake, your hard work building a good credit score can be undone.

Does this sound familiar to you?

Fortunately, with the right approach, these late payments can often be successfully removed from your record, restoring or raising your credit score. 

While I have personally worked with tons of clients to successfully remove late payments from their records and restore their credit, I wrote this comprehensive guide for those who can’t afford my paid legal services or would simply prefer to do it on their own.

So for those interested…I’m presenting an actionable, 3-step plan to remove recent 30-day late payments from your record!

In addition, the same strategy applies for 60, 90, and 180 day late payments.

For you, what’s most important to know right now is, recent late payments NEVER come off with simple credit bureau disputes or sample goodwill letters (I’ll explain why later). Also, when I say recent, I mean anywhere from today to 4 years ago.

However, over the last 15 years, I’ve perfected the method I will teach in this article. I’m sharing it here so that you don’t have to do any guesswork.

Because let’s face it trying to remove a recent late payment on your own can be a frustrating process, to say the least. Oftentimes, you will encounter one or more of the following:

– Creditors give you the run-around and are extremely unhelpful.

– You can spend hours on the phone each time you call, only to be disconnected.

– You’ve read conflicting views from self-professed “experts” about sending a “courtesy removal letter” or a “credit bureau dispute letter”.

And what’s more, if you’ve hired a credit repair company or so-called “law firm”, chances are:

– You’ve wasted $1000+ in upfront fees without seeing any results.

– They put in ineffective credit bureau disputes and goodwill requests.

– You find yourself at the same place where you started.

All of that being said, with the right strategy and a little persistence, it is totally possible to remove late payments from your record and improve your credit score.

 So, before we get into the specific strategies I use, I want to quickly show you some proof that this process works.

Proof this process works...check out these 4 deletion letters:

The process is only as good as the results it yields. Fortunately, I have the results to prove the process. 

These are 30-day, 60-day, and 90-day late payment deletions that I achieved for my clients with Macy’s, Barclaycard, Capital One, and Chase credit cards just this year…

Barclays deletion letter
Bryant CFPB response letter
Citi deletion letter
Honda deletion letter

Over the years, I have helped countless individuals remove late payments from their credit records. To find out if my services are right for you, click the link below to book your free consultation.

Now that we know the process works, let me clear up some misconceptions about missed payments.

How does a 30, 60, or 90-day late pay affect the credit score?

Simply put, if you have a good credit score, a new delinquent payment will affect your credit score far more negatively than someone who already has a poor score.

Here are the facts:

If you have a good score of 680 or higher, a new late payment is going to sting badly. A 30 day late may drop your score by around 80 points.

A 60 to 90 day late will drop your Fico score 80 to 120 points! Ouch. 

You may be wondering how long it will take for your credit score to recover after the late payment.

The saddest part about a late payment is, your credit score will only increase by 1-2 points per month. There will be a slight increase once you bring a delinquent account to current, but after that, your credit score will recover extremely slowly.

As a result, you won’t be able to get approved for any good credit cards, loans, and mortgages for years to come.

How long does a skipped payment stay on your credit?

If you miss a payment today, and it’s reported 30 days late on your credit report, then…

Get ready for this…

The late payment will become part of your credit payment history and stay on your credit report for 7 years.

And worse, even paying off or closing the account will not remove the late payment any sooner. The so-called ‘pay for deletes’ only works with collection accounts.

How do late payments affect your credit score

At this point, you may be wondering if you should remove your late payments yourself or hire me to remove them for you. 

To answer this question, I have created a quiz to help you find the right solution for you.

Take This Quiz: Hire a pro or do it yourself ?

Whether you take the self-help route or hire a professional really depends on your personal situation and the complexity of your late payments.

Take the quiz to find out which option is best for you.

TAKE QUIZ

NEVER dispute a recent late payment with the credit bureaus

Lots of credit repair “experts” encourage you to dispute the late payment with the credit bureau with the idea that it is supposed to miraculously get you results “if the creditor does not respond within 30 days.”

In reality, this is one of the biggest mistakes you can make.

Why? Simply put, technology.

Today, credit bureaus have modernized their systems and switched to automatic dispute verifications where they correspond with the creditor via their data exchange interface, E-Oscar.

Hence, unlike the older days, no phone calls or handwritten communication is exchanged between bureaus and creditors. This interface verifies millions of accounts that are disputed by consumers every month in a matter of minutes. It does so by simply cross-referencing databases of the bureaus and creditors.

However, credit bureau disputes may work with a minor degree of success for one type of late payment:

A very old late payment on an account that’s been closed for at least 3-4 years or longer.

They can also be effective for questionable older collection accounts and charge-offs if you utilize the dispute the right strategy. 

That being said, keep in mind that disputes are not effective for late payments that really matter such as recent late payments or late payments on open accounts.

What’s worse, if you go behind the creditor’s back and dispute a recent late payment with the credit bureaus, they will easily verify it, thanks to E-Oscar. Then when it’s time for you to deal with the creditor directly, they will hold this against you.

Feel like you may need help removing late payments from your record? Click the link below to book your free consultation.

Can a late payment be removed if it was caused by the Covid-19 pandemic & shelter in place orders?

The answer to this is yes, IF you had a late payment for the month of March 2020 or after that, but not before.

The economic fallout from the coronavirus has caused lenders to make exceptions for those who suffered a loss of income or health complications as a result of the pandemic.

If you find yourself in this situation, the first step would be to simply call the creditor and see if they’ll be able to issue a courtesy removal of the late payment. They may ask you to prove your loss of income or health complications. 

Read this article about how to address and remove Covid-19 related late payments.

READ MORE: How to Remove Covid-19 Related Late Payments from Credit Report

However, lates for February 2020 or prior will not qualify for goodwill deletion under the Covid-19 pandemic situation. In that case, you’ll likely need professional help.

Will creditors delete my late payment history if I submit a goodwill letter?

Now that we’ve explored late payment disputes, let’s talk about goodwill letters.

 If you’re familiar with the subject, you may know that goodwill letters used to work to some extent to remove late payments from your credit record. However, that was 10-15 years ago.

However, at this point in time, the bottom line is…goodwill letters do not work. In fact, many bank websites say so explicitly. 

What’s more, submitting a goodwill letter may actually decrease the chances of removing a late payment from your record (the only exception here is if the late occurred exactly during the Covid-19 pandemic).

But the sad part is, every self-proclaimed “credit expert” (and even credit repair companies) still claim you will achieve forgiveness on a late payment with a goodwill letter.

As a result, many folks end up wasting their time sending courtesy removal requests to creditors. Lots of other people have wasted money with ineffective credit repair companies, including the likes of creditrepair.com and Lexington Law Firm, who’ve been known to prey on customers and have been sued by one of the government’s regulating agencies.

Want more proof that goodwill letters are a waste of time? check this out:

Here is Bank of America’s own website stating that goodwill letters will not work.

Bank of America says the following:

“We’re required to report complete and accurate information, and that’s why we aren’t able to honor requests for goodwill adjustments.”

As per the FCRA (Fair Credit Reporting Act), creditors are required to report accurate payment histories to the credit bureaus. Again, the only exception here is if you were affected by the Corona Virus pandemic.

Why creditors DO NOT want to help you fix your payment history?

At this point, you may be asking, “Ali, it’s just one stinking, lousy, ten-dollar 30-day late payment, and I’ve always been on time and have been a loyal customer. Why wouldn’t the creditor just not remove it?”

Here’s what you need to know; The regulatory agencies constantly audit creditors.

If they find a company reporting their consumers as current despite them being late, then this can be interpreted as the company trying to conceal the defaults from shareholders. This may lead to a heavy regulatory fine for your creditor.

Unless you’re a victim of fraud and or identity theft, the only way to remove a recent late payment from the credit report is by getting the original creditor to agree to remove the late payment.

And remember, Credit Bureau disputes will not work for late payments unless the late occurred over 4 years ago on a closed account.

Luckily there is a way around this! I have had tremendous success in getting creditors, even stubborn ones like Barclays, JP Morgan Chase, and Capital One, to remove 30, 60, and even 90-day late payments. 

I have done this by providing the creditors with a chronological letter, backed with proof, which explains the following:

1. Why the late payment occurred in the first place.

2. Why the consumer was not aware the bill was due.

3. What extenuating circumstances interfered in the situation.

4. Proof that the consumer had the financial capability to pay the bill.

However, in order to be successful, your case has to be made in a meticulous and detailed manner. This is very important!

Fortunately, I have laid out my strategy to remove late payments from your records below.

Here’s how you start.

Watch this video first and learn how to make a case with creditors to challenge late payments on your credit report:

After watching this video, you can understand how to better utilize the steps below:

Three steps to remove late payments

Keep reading for a more detailed breakdown of the process.

Step 1A: Call Your Creditor - get key dates and facts

For this step, all you do here is find out all the necessary information surrounding the late payment. 

Start by finding out when the payment was due and when it was actually made.

For example, your creditor may say you had a payment due of $15 for a $300 balance which was due on June 1st, and the payment was not received until July 8th. Thereby you would have been 38 days late. As a result, they can legally report you as 30 days late on your payment.

After you have gathered this information, you want to see if there is any blame you can pin on the creditor. Find out if the late payment was due to any of the following issues:

1. You missed a payment that was due for an annual fee or membership fee from the creditor.

2. The creditor sent mail to your home, which they told you was actually returned as undeliverable

3. The payment took 2-3 days to process. Due to this, you went over the 30-day mark.

4. They were mailing statements to a misspelled address for you or had your apartment number missing from the address.

5. They were sending statements to an old address, even though you notified them of your new one.

6. You submitted the payment on time, but it bounced because they took down your incorrect bank account # to process the payment.

7. You paid the account off, but it incurred interest charges that were applied as the payment was processing.

8. The minimum payment had increased but the auto pay did not make this adjustment.

9. They misspelled your email address where they send your online statements.

10. You thought you had closed the account, but it incurred a re-occurring charge that was not canceled.

11. You missed the payment due to Coronavirus shut down or related health complications.

You can use any kind of scenario where a case can be made that the late payment incurred was due in part to the creditors’ own negligence.

However, here’s a big mistake that lots of people make:

Telling the bank you did not receive the statement if they had your correct address. If you do this, they will then conduct their own investigation and if the statement was not returned to them as undeliverable, they will deem your dispute frivolous.

Do NOT dispute this issue on the phone unless you find some kind of negligence as described above on the creditor’s part.

In the event you do find a mistake as described above, then ask for a courtesy removal of the late payment.

If they agree to remove the late, ask them to send you a letter stating they are removing the late payment from the credit report.

Clarify that you want the late payment removed from the credit report and that you are not referring to the late payment penalty fee that may have incurred.

Normally, if the creditor agrees to remove the late payment they will themselves update the account history on the credit report. The likes of Bank of America, Chase, and Wells Fargo often update accounts within a couple of weeks.

Additionally, I’ve found that credit cards like Amazon/Synchrony Bank, Macy’s Credit, Gap Store Cards, Nordstroms are more likely to bow to courtesy requests on the phone if you can argue for partial negligence on the creditor’s part.

On the contrary, big banks and credit card companies like Capital One, US Bank, Chase, Barclays, and Citi are not as easily swayed to remove a late payment. Either way, if you’re not able to find creditor mistakes, do not get disheartened. Stick with it and move on to the next step.

Step 1B: Identity any extenuating circumstances or errors that led to late payments

If you can prove that a third party mistake or some extenuating circumstances led to the late payment AND the late payment was not due to your financial inability to pay, then you’re in luck.

But beware, creditors will never remove a late payment due to financial hardship or job loss.

However, if you can show documented proof of the extenuating circumstances that led to the late payment along with a copy of a bank statement showing a healthy balance of a few thousand dollars, then creditors may agree to remove late payments under the following circumstances:

1. You were away from home traveling while statements were being sent to your home.

2. You were hospitalized or suffering from emotional trauma.

3. There was a death or emergency in the family.

4. Your bookkeeper or accountant forgot to render payment.

5. You had set up bill pay through your bank, which encountered an error.

6. Your email was hacked where you get e-statements, or the creditor’s emails ended up in spam.

7. Your paper statements and mail were being stolen.

8. You had submitted a double payment the month prior, mistakenly thinking it would cover the next month.

9. Your town was subjected to a natural disaster.

10. The creditors’ online system was not letting you log in.

If you are able to prove a scenario like the one listed above, you will need to ask for the address, fax, or email for the creditor’s “Credit Bureau Department,” to whom you’ll fax this information for review.

Once they receive your information, will review your case and get back to you within 2-4 weeks with their decision.

But you may, “I’ve already tried this and the creditor has simply stonewalled me. What do I do?”

Glad you asked! If you are being stonewalled by your creditor, step 2 is for you.

Step 2- Engage the Creditor’s Executive Resolutions Department or Credit Bureau Department:

If your first correspondence or call has not worked, then that means you are likely in for the long haul.

The next phase here would be to go up the chain of command.

A) Engaging Executive Resolutions Department:

Chase, Macy’s, Barclays, Synchrony, Discover, Bank of America, and Capital One all have executive resolution departments.

If they don’t allow you to speak to the Executive Resolutions Department, then mail your complaint to their corporate office by certified mail, attention to their CEO.

Once you have sent the letter, it normally takes around 30 or so to get a response.

B) Lodging a Consumer Financial Protection Bureau Complaint:

At this stage, you can get the different regulatory agencies involved like the Consumer Financial Protection Bureau (CFPB). Do this by lodging a complaint against the creditor. If it’s a credit union you’re dealing with then you’ll need to file a complaint with the National Credit Union Association. Or here if it’s an education-related debt.

Now, if the late payment did not occur due to the creditor’s negligence or fault, then the complaint cannot be made under the premise that the creditor acted illegally and violated your rights under the FCRA.

However, you can argue that despite the reasonable case that you’ve made, the creditor is acting “unreasonably.”

The CFPB will investigate your complaint and forward it to the creditor for a response.

What happens next? The creditors usually respond within 15 days, and if the creditor does not respond favorably, the CFPB allows you to submit your feedback.

However, if you’re lucky, the creditor responds and states they agree to remove the late payment. In this case, they will update your credit report within 30 days.

Now, if your case is not strong enough, it is likely that they deny your request.

Unfortunately, creditors often can brush aside such requests and stick to their position.

In my experience, large banks such as Bank of America, Chase, Ford Credit, Citibank, and GM Financial are not swayed even by complaints to remove a small 30-day late payment.

For these creditors very often legal action is required. That is why I have devised and utilized Step 3 with tremendous success.

Step 3 - Filing a small claims lawsuit against the creditor

Finally, if the first three steps do not yield results, I often help my clients file a small claims suit.

Here’s what’s great about this; I have seen many judges rule in a consumer’s favor if they can prove wrongdoing by the creditors.

For this, extensive research of your state’s civil code is needed, to see what violations were committed pertaining to credit reporting, breach of contract, or unfair business practices.

That’s not all…Small claims court also requires consumers to show monetary damages. Proof of monetary damages could include documentation that a consumer was turned down for credit or received unfavorable financing terms due to the specific late payment.

But make no mistake, simply filing a suit will not make the creditor buckle. The case has to be strong and well documented.

What you may find surprising is, even in the event the creditor does not show up to court, the judge will still look at the merits of the case and rule accordingly.

As a result of the complexities involved with filing and winning a small claims case to erase your late payment, I normally recommend hiring an experienced professional if you are going to go down this path.

In Conclusion...

While late payments can be very damaging to your credit score for many years after you incur the penalty, there are specific actions that you can take in order to remove these late payments from your record. 

With the right approach and a measure of persistency, it is possible to remove the late payments and raise your score. 

However, some cases require professional help. Over the last 15 years, I have helped my clients remove hundreds of late payments from their records, restoring their credit scores in the process. 

To learn which path is right for you (handle it on your own or hire my help), take the quiz below. Good luck!

Take My Quiz: Hire a pro or do it yourself ?

Whether you take the self-help route or hire a professional really depends on your personal situation and the complexity of your late payments.

Take the quiz to find out which option is best for you.

TAKE QUIZ

183 thoughts on “Delete 30 Day Late Payments From Your Credit Report

  1. Hi Ali, I incurred a 30 day late payment with Macys during the pandemic.
    This was not due to financially inability , but I just forgot.
    I’ve called and they’ve given me the cold shoulder and even lodged complaints with the CFPB.
    My credit is taken a dive and me and my partner can’t get approved for a loan.
    What can you do to help ?

    1. Hi Brandon, saddened to hear about this that Macy’s continues to not help folks during Covid.

      Macys card is Department Stores National Bank, which is a CitiBank subsidiary.

      I’m getting deletions from them as recently as last week, through engaging their legal team .

      Shoot me an email at [email protected]

  2. My situation is a little bit different, there was an annual fee charged on my credit card that led to a 30 day late payment. I’ve argued with the card company to remove, since I did not even believe the card was active.
    I’ve even filed complaints with the BBB and nothing worked.
    I’ve read amazing things about you, I’m hoping you can help

    1. Alex this is quite outrageous that a card company would mark you late for an annual fee, since you didn’t incur a charge.
      It’s quite common occurrence that leads folks to unknowingly fall behind.
      Depending on who the creditor is I’ve had really high success rates with these, by making a legal argument that you didn’t authorize the fee to be charged to your card.
      Creditors like Capital One, Discover, Synchrony, Macys DSNB, Credit One, Capital One, First Premier all have been taken to task over this practice.
      Which is the creditor that has reported you ?
      Shoot me an email at [email protected] and we can pick up the conversation there.

  3. I have a 30 day late payment from First Premier Bank credit card and it’s hindering me from getting approved for a mortgage. Any chance of getting it removed?

    1. Absolutely John, First Premier is quite the repeat offender.
      They rank very low on customer service and often don’t send the requisite notices to clients before late payment insertions.

      I just sent you an email from [email protected] , lets pick up the conversation there.

  4. Hello Mr. Zane,
    Thank you for this article. I found it quite helpful. Recently myself and my husband incurred a GM Financial lease return related late payment, which turned into a charge-off.
    Basically we turned the vehicle in and there was a lease turn in fee, which we were not made aware of, the Fico score has taken a 100pt drop and now we’re unable to refi our home.
    What options do we have

    1. Hello Vanessa, so GM finance is quite notorious on marking people late on leases, and they often don’t provide notices for the lease turn in fee and don’t even take it automatically from auto pays.
      General Motors Finance leases do have an arbitration clause that can prove to be helpful.
      Do email me at [email protected] and we can discuss options.

  5. Good Morning Ali,

    I’ve used Lexington Law firm for a year with no luck removing a two 30 day late payment with Capital One Auto Finance on a closed account. Both late payments occurred dec2015 and sept 2017. I’ve sent Good Will letters but after reading you’re information I now know why I’ve have no luck. Is there any way you can help with this?

    1. Hi Antionette, Lexington’s law firm’s disputes unfortunately don’t really work. They recently got sued by the federal govt for defrauding people.
      As for Capital One , we may have some options to pursue, do tell me what state do you reside in and what led to the lates?
      Email me at [email protected]

      1. I’m in the same situation as Vanessa with GM Financial charging me for a return lease vehicle that I was not aware of and now I have a 30,60,90,120 day past due plus a charge-off. Can you help with this ?

        1. Hi Natilie, General Motors Financial aka Americredit, are doing this to a number of people.
          Legally they’re supposed to provide you notice by mail before any late payment insertion with proper itemizations.
          They constantly fail to do this.
          I’ve had about 10 cases with them just this year alone where we were successful in getting them to delete.
          Shoot me an email at [email protected]

  6. Hi, I am buying a home and paid off a lot of debts to a $0 balance, one of the accounts charged a monthly service fee after my account was paid to $0 balance and I was not aware of the new “balance” and they are now reporting a 30 day late to my credit. My score sunk 66 points as a result and i have NO other late payments on my report. I am trying hard to have creditor to remove the derogatory remark as it’s hindering me getting a mortgage. Any suggestions?

  7. Hi, I found out today that I have missed three payments with Barclaycard and my credit has taken quite a hit because of it. I paid off my entire statement in early March leaving me with a zero balance. I didn’t realize that I was then charged $2.97 interest later in the month, which doubled twice due to late fees. I had automatic payments on for years prior, and only canceled the automatic payment scheduled for March since I had paid the remaining balance already. So my questions are 1) will they remove the negative credit report since it was less than $3.00 and clearly just a miscommunication, and 2) shouldn’t they remove them any since the automatic payments should have kicked in once my balance was no longer zero?

    This seems purely punitive at this point and in no way reflects my actual creditworthiness. I have been a client of their’s for several years without incident, and it feels like I am being punished for attempting to pay off the remaining balance.

    1. Hi Matt, if you forgot to pay a bill due to the Convid19 pandemic, then first step would be just to call the lender and see if they’ll remove the late as a courtesy. However, you’ll need to get current on the account, or ask them to put you on a deferment and back date it. If they are not willing to help, then email me at [email protected]

      1. Hi Ali, I’ve got some recent lates on a Synchrony Bank PayPal and amazon cards, I’ve tried everything, including hiring Lexington law firm and using Brandon Weavers disputes, can you help ?

        1. Hi Michael, sorry to hear about nothing working.
          Sadly, the credit repair industry is full of individuals making unbacked promises.

          As for Synchrony, I’ve got a backdoor channel to their attorneys, normally instead of removing lates, I can get them to remove the entire account.

          Shoot me an email at [email protected] and we can talk

  8. I had first premier report some late payments and a charge-off on a couple of accounts. I’m willing to pay them off if they’ll delete
    I’ve made CFPB complaints and written to HQ and nothing has worked/
    What can I do ?

    1. Hi Richard, sorry to hear about your efforts being stonewalled.
      Banks will not remove based on a pay for delete, like collection companies will.
      If this late was not due to extraneous circumstances that can be proven,
      then we’ll need to get involved.

      I’ve had good success with First Premier.
      Email me to discuss options [email protected]

  9. So I’ve got a Verizon chargeoff which is about 1 year old.
    Basically, what happened is that Verizon is charging me for early cancellation, however there were problems with the service and I was misled by their reps as well.
    They’re also claiming equipment was not returned, and that I owe money for my iPhone
    At this point Verizon says they won’t remove the charge-off even if I paid them.
    This is destroyed my perfect credit and reduced my score by 100 pts.
    Have you had any luck with Verizon collections ?

    1. Hi Maurice, this is the same story that I hear from numerous people every month.
      Verizon’s account closing polices leave a lot to be desired and are downright unjust.
      Fortunately they do respond to heavy handed tactics and escalation with removals.
      Please shoot me an email at [email protected]

  10. My first and only 30D late from BMW Financial on September 2019. I only have 4 months left on my 36 month lease. It was a simple mistake on my end. And luck with BMW Financial?

    1. Hi Chris, auto loan servicer like BMW Financial, Audi Financial, Porsche and Toyota are repeat offenders when it comes to missed payments. However, I’ve had some decent luck with them, Just sent you an email

  11. I wanted to find out how to remove late car payments from my credit report.
    I recently made a late payment on my GM Financial auto loan
    I wanted to know when is a payment 30 days late ? And if you pay on the 30th day is it considered late ?
    I have a payment I made on the 30th day which processed one date later.
    So would a one day late payment affect the score and if so could I ask for late payment forgiveness ?

    1. Hi Andrew, a payment is 30 days late on the 30th day of the payment not being received. For example if a payment is due on the 1st, then on the 30th it will be considered 30 days late. Then It will end up being being reported to your credit report on the 30th day.
      And surely if you are one day late on the payment, it will be reported and will hurt your credit score.

      GM Financial is quiet notorious for slapping on late payments on credit reports even if there is a payment processing. However in your case you paid on the 30th day, so they’ll consider that late. So if you’re asking how to remove late car payments from credit reports, a courtesy or goodwill letter will not work.
      Use this quiz to see the best course of action for you: https://imaxcredit.com/quiz/

  12. I’ve got a Capital One auto loan which has incurred a 60 day late payment.
    Now Will capital one remove late payments?
    If not, then please explain how to remove late car payments from credit report.
    And if the late can’t be removed how long is the credit score recovery after the late payment ?

    1. Hi Catherine, Capital One late payment forgiveness does not happen often. Unless this was Cap1’s fault or there were some extraneous circumstances that were due to no fault of yours.
      Even if you were late by one day, over the 30 day period, Capital One will report to the credit bureau.
      I’ve had good success with Cap1 to remove late payments, using legal strategies and getting their attorneys involved.
      Do shoot me an email at [email protected]

  13. Hi Ali, I wanted to find out how to remove mortgage late payments?
    I have a one late mortgage payment with Bank of America.
    I’ve had a mortgage refinance declined due to the late payment as its dropped my score

    1. Hi Tanika, Bank of America is not likely to do a late mortgage payment forgiveness
      Yes the late mortgage payment affect on credit score is huge.
      Now I’ve seen mortgage late payments removed if there was a fault by the lender and that can be proven
      If you can’t find one, then take my quiz to see if you’d be a good candidate to hire a professional for help.

  14. Hi, I am looking for an apartment and have to move immediately due to the death of the homeowner and extenuating circumstances, ie: reverse mortgage. Anyway, my credit score recently went down 100 points showing an innaccuracy for a capital one account for which I was previously listed as an authorized user but was removed prior to the late payments. I called capital one and was told they could not discuss the account with me as I am no longer an authorized user. I affirmed that is correct and I simply wanted them to remove it from my credit report. The representative advised me to dispute it online. I don’t have 30 days to wait for the dispute to complete. Further, I have an account with capital one in good standing. How can I quickly get this resolved and my score updated? Thanks for your help! 🙂

    1. HI Elisha. For authorized user accounts with capital one credit card lates, instead of a goodwill or courtesy removal from capital one, the credit bureaus will remove the accounts with a simple dispute, and even if the authorized user was to call Cap One, the process to remove the 30 or 60 day late payment would have still taken 30 days.
      You may call the bureaus and ask for their special teams unit.
      For everyone else reading this, the same applies for Barclays card, Bank of America, Chase card, Synchrony, Comenity etc.

  15. I had a vacuum financed through Bay Finance LLC (over a year ago). I made 2 payments and then received papers in the mail stating my account had been sent to another finance company (Aqua). I never filled out any of the paperwork for this new finance company and have continued to make my payments to Bay. On my credit report it shows that my payments are on time but my Bay account is closed. The new finance company has an incorrect amount on my current balance, can I dispute this as “no contract” and get it off my report? Am I actually required to repay considering I never agreed to the new contract that they sent?

    1. Hi Wendi, the contracts may state that the debts can be transfered over to a different lender, so this debt would still be considered valid and given its so recent disputes won’t be the way to go

  16. Hello Ali, I’ve a joint mortgage through my credit union. Due to bad timing with my balance, I did not have the full amount available at the time of auto-pay and we’ve been hit with a 30. Since it’s joint, do we contact the creditor separately to make goodwill requests or do I make a sole request since I’m the primary? Also, if the creditor agrees to a goodwill, the late will be removed from my joint partner’s account?

    1. Yes Ark, the late will be removed off both account holders if they agree to remove off one.
      So just one request is fine.
      If they don’t agree , reach out to me and I may be able to help in getting the matter resolved, using more advanced means.

  17. hi. what about late fees. i was late every month for 1yr at bofa and late fees of 38kept adding up. i could just never catch up but made a pmt every month. they sd they only waive 1fee per year. anything that can be done here.?

    1. Hi Cristina, we may have some options to pursue. They normally don’t do goodwill adjustments , so there can be taken action against them.
      Feel free to email me a copy of a report at [email protected], my fees start at $849.

    1. Hi Theo, they’re very tough to deal with. In California there maybe some options, if you’re out of state, I’ll need to look at the scenario in detail to see what we can do. If you’ve got a report, do fwd it to [email protected]

  18. Hi Ali,

    I have a charge-off with Discover. However, at one point fraudulently activity has occurred where someone canceled my card and Discover issued a new one to an out of state address. I wasn’t aware until I called to find out how much was my minimum payment would be and they stated that the card number I provided was cancelled. How can I get this removed from my credit report?

  19. Hi Ali ,

    This site is super helpful. About to engage with Bank of America, fingers crossed. Have not had one late payment in 10 years and ended up with a one 30-day late payment for an old BOA card that I used to order something online (don’t visit this site often and didn’t realize I had linked my BOA card to it). The balance was roughly $85 and the payment was $25. In any event, I missed this. Pretty sure the due date fell in line with some travel days for work. Going to do my best to get this removed. May reach out to you and your services if I’m unsuccessful. This will be the only blemish on my credit report and I really would like to have it removed, if possible.

  20. Hello,

    What is the cost for credit repair? after having very good credit for many years i had a set back. I was divorced, my best friend (Brother) past away, my mother and father got sick, and i guess it took a toll where i had o see a doctor due to depression. I fell behind and became irresponsible and accumulated late payments on my car loan. I had my sister take care of the issue. But she was using the wrong bank account to make the payments and so i got delinquent. There is more to the story, but prefer to consult with you verbally.

    Thank You, and hope to hear from you soon.

    Marco Valdivia

  21. Any luck with Regions Bank credit card? Made a payment in Jan of last year but apparently it was shy a few dollars and they issued a 30-day late. No luck with front end reps so far.

  22. Hello – Regional Acceptance just posted 30 day late after miscommunication of payments and a GAP claim. I tried to make payment while travelling and it looked like their site scheduled. Did not work, paid again 4/01 (Was due 3/27) and it was reported as 30 day late 4/02. Can you help?

  23. Hi Ali,

    I had my Target credit card bill being paid through a 3rd party bill payer (PRISM) however in the last couple of months Target repeatedly designated my account as locked (even though I had the right credentials and unlocked it a few times upon request) so my bill never got paid and they marked me 30 days late on my credit report. I’ve had a perfect credit history with them since 2006. When I spoke with them (twice) they said there’s nothing they can do and to call the credit bureaus to dispute.

  24. Hi Ali! I already sent you an email regarding some Cap1 lates. Please get back to me whenever you can. Thank you!

  25. Have you had any luck with removing a 30 Day late from GM Financial? I’ve never had any lates on my credit report, and current score is above 800. I just had a baby, and missed the one payment. (My fault). I’m afraid of how much my score is going to be affected, I’ve always been Tier 1 credit. I’ve tried calling and speaking with their credit department, but they say they never remove any lates, unless it’s their error. Have you had any luck with GM?

  26. Good morning Ali,

    I have a Premier CC. Due to a complete oversight, after years of no lates, I have a 30 day past due. I’ve paid it as soon as I realized it. I’ve called and requested they remove it since it was just an oversight and they said they can’t. Do you have any suggestions.

  27. Hello. Any luck with getting Santander Consumer to remove a 30 day late on car note? It was only 1 day past the 30 days due to the Federal Governement Shut down. They said they do not do goodwill letters and will not help me at all. I had called as well and told them it will be 1 day late and they said that was fine, but there is no record of my call. Any contact information or advice would be greatly appreciated.

  28. Hi Ali,
    I have a 30 day late payment with chase ( my mortgage ) I have never been late with any of my creditors in fact I had 100% payment history .I did pay late due to my child being hospitalized in another three hours away . I take full responsibility , but I wanted to ask if you have any suggestions ?
    I had a credit score of 840 and now I have dropped by 90 POINTS. I called but I had a rude person who flat out said no she wasn’t forgiving or going to change anything . I made sure I was extremely patient, nice etc .
    Thanks

  29. Hello Ali, I’ve been going back n forth with Santander bank over payments in regards to my heloc over 2 years. I had one payment that was reported late because due to insufficient mailing address. they had everything correct except for the apartment. Because of this my account was locked and closed. I was making payments through the Santander website which takes 3 days to clear. Now i’m paying from my bank online that now takes up to ten days. I have been charges late every month on my credit report. I’ve tried every form of disputing including the CFPB providing proof of payment with no resolution.

  30. I had a payment for my mortgage go 30 days late even though I paid the bill on time it was short $4.00. They increased my payment and I didn’t notice it until 7 days to late. I’m a customer of NBT bank 8 years no late payments in 20 years till now. I’m fico dropped 100 points. Please help.

  31. Hi Ali, just wanted to thank you for putting this out the the web, this helped me repair my credit, you’re an angel !

  32. Ali, I’ve been dealing with a 30 day late with Amazon/ Synchrony but they’re not budging, can you help professionally ?

  33. HI Ali, I have capital one 30 days late payment in 2015 and 2017 which is hurting my credit score. I went through some credit repair consultants to have it removed but it didnt work out.
    Please let me know if you would be able to help me in getting this removed and how much would you charge for this.

    Thanks

  34. Awesome stuff, I’ll say this is the most comprehensive plan I’ve seen to remove 30 day lates, I’ll get on it to remove my recent Cap One late

  35. Ali been following your blog for a while, I’ve grown tremendously through it and now even considering starting my own credit repair company. Would you like to collaborate?

    1. Hi Allex, good to see this has helped you, kudos on deciding to start a new business, although I’m stretched thin and can’t collaborate, I can guide you to the right resources.

  36. Every had luck with VW Credit – I was 1 day after the 30 day cut off – They won’t budge or help – They said they are Black and white and don’t make any exceptions. Any luck with them?

  37. Hi Ali,

    I’ve been trying to get missed payments removed that occurred when I shipped out for military basic training. I used Lexington Law for a few months and they did nothing for me. I’ve worked hard on tying up a few GoodWill letters I was going to send in, and I was wondering if you think this would work or if I could get your opinion on my report?

    1. Hi Austin, sorry about your negative experience with Lexington. Basically, goodwill letters don’t have a high success rate. I just sent you an email with some more details.m

  38. I just got a 30 day late mark on my credit from Target red card. Oversight on my end and I just missed the cut off time for a payment. Have you had success with Target?

  39. I have not had a 30 day late in over 10 years. Recently in an accident and failed to pay Comenity/Eddie Bauer. I have since paid the balance off but they reported a 30 day late as I paid on 10/23 for bill due 9/13.
    I called and was told to write a letter. What can I do to get this off. My score went from 752 to 665.

  40. Having a hard time removing a 30 days late from first premier bank card. I sent in goodwills and have yet to hear from them. What should be my next step?

  41. Have you dealt with First Premier Bank Card? I have a 30 day late payment I been trying to remove with a goodwill but I have yet to hear from them.

  42. I contacted wells fargo about a skip payment in nov of 2014 for dec. I stated that I was calling because I didn’t want to hurt my credit but was going through a divorce and could use the extra money for the holidays. The gent stated that they didn’t have a skip payment but what he could do was break up dec payment over the next 6 months. I didn’t find out for a year but they reported me 30 days late 1/15 – 6/15. I have been attempting to get them removed out of good will but they are saying “ethically” they can’t because it’s based off of the original note. I don’t think this is fair as they offered it to me. Had I known I would have just paid the payment. Are their any options?

    1. Hi Kevin, file a complaint with the CFPB against Wells Fargo and someone from their executive dept would pick up the case. If this doesn’t work then we’ll need to look into legal action against Wells.

  43. My dad got a car from CarMart and added my name on it to build my credit. Well it did not really work as he ended up falling behind on the loan. I tried to tell CarMart that I was not the primary but they refused to remove the late. Please help

    1. Hi Christopher, sorry to hear about this. Carmart won’t remove just based on the fact that you were a co-signer on the loan. You’ll need to show why the late occurred and make a case that it was not due to financial inability or willful negligence.

  44. Hi i was good paying customer with wells Fargo for over 72 months and for some reason auto payment didn’t work. I called them and reinstated the auto payment. I contacted Law firm to get rid of 30 day late payment, who asked me to dispute all the three bureaus. I received the letters from all three bureaus stating the 30 day late payment has been verified. I spoke to wells fargo who opened the escalation case again. Please advise what to do, as it is causing a lot of pain and suffering. I am graduating soon and this may impact my ability to acquire apartment and other financial situations.

    1. HI Raj, Wells is notorious for dragging their feet on late payment issues. And yes bureau disputes are absolutely ineffective to remove 30 day lates.
      Only way to get this off is if Wells Removes the lates.
      However see what happens with the escalation case, however, find out what happened that led to the auto payment being de-activated.
      You have to find out who’s at fault here, so call Wells and uncover the facts.
      They’ll be more likely to remove it if this was their error instead of an error from your own bank.
      If they don’t agree to expunge this , then reach out to me and I’ll be able to help.

  45. hello I have a paypal credit or bill me later account and I forgot my payment and it has been 34 days will I get reported the 30 day late because paypal doesn’t even report if u have an account with them. Thank You!

  46. hello I forgot my paypal credit or bill me later account payment and it has been 34 days late I was wondering if I will get reported since paypal docent even report if u have a line of credit with. thank you!

  47. Thanks so much for the suggestions, I’ve tried everything in the past to address a late with Bank of America, will try your course of action out.

    1. Yes please do so Ben, and let me know what transpires. The bigger banks including BOA are a tougher nut to crack, but best of luck ! If you can’t get anywhere with them then reach out to me

  48. Thanks for these suggestions, I’ve tried these techniques but am still getting pushback from Honda Financial regarding a recent late payment. Any suggestions

  49. Tried out your method, with a late payment with Synchrony Bank/Amazon card, after a CFPB complaint, they relented and removed the late, thanks for spreading the word !!! I’ll be sure to leave you a great review on yelp too !

  50. I’ve been reading your blog for over a year now, and have used it effectively to restore my credit, given I have the time on my hands.
    I know there are numerous credit repair companies out there, some good and some not so good, but none I’ve seen that share the work that they do and educate their clients.
    Keep on sharing this valuable information !

    1. Hi Simon, that’s terrific to hear, I’ll be posting more articles with guides and tips for credit restoration and Fico score improvement within the next month, stay tuned and thanks for your support !

    1. Hi Renee, to answer your question, yes, but I’ll need some more info regarding the details of the account, just sent you an email with some additional questions.

  51. Hi Ali,

    Have you ever had to deal with Fifth Third Bank? I have had a mortgage loan with them for almost 9 years now and have never been 30 days late until last month due to a mis-communication on who paid the bill. I called them and asked if they would remove the late report, but they were not very nice about it and told me they could not due to the Fair Credit Reporting Act.

    1. Hi Chris, don’t be disheartened, this is their standard line to consumers to get you off the phone. I’ll shoot you an email here to discuss this in detail.

  52. I wanted to thank you for sharing this and I decided to give this tactic a try to remove a Synchrony late payment. Luckily the agreed to remove after my second call to them, they determined that statements were mailed back to them that never reached me.

  53. Hi, do you have any suggestions on how to get Merrick Bank to remove a 30 day late? I had Set up auto pay over the phone but apparently it wasn’t for the minimum amount, creating a one time 30 day late. As soon as I got a late laymen’s letter I called and paid the account down and set up auto pay for a higher amount. I tried reaching out to them by phone but they wouldn’t budge. From what I’ve read they are a tough bank to get lates removed. This is the only thing holding me back from a mortgage because it happens just 5 months ago.

    1. Hi Ashley, but yes they’re not that easy to deal with, had some success with them using some legal options.
      I’ll shoot you an email here shortly.

  54. Hi Ali, I had a Capital One account which I hadn’t used for over a year, but it incurred a $39 annual fee and it caused a 60-day late payment while I was on vacation, and now they’re not willing to remove this, even though this was their own charge.

    1. HI Rachel, yup Cap One is the notorious repeat offender here. By far I see the majority of late payment issues occur with Capital One late.
      Due to this, I deal with them on almost a daily basis. Give me a ring directly 323-983-8973

  55. Hi Ali I’ve got a federal Student loan lote with Navient, that was supposed to be in forbearance but did not get processed and became 120 days late, in addition although I have 1 loan, they’re reporting 5 different loans , please help or advise

    1. Hi Andrea, for the Fed student loan, google for the Department of Education Ombudsman and lodge a complaint against them, in the complaint you want to be very detailed regarding the chronology and the dates, also include proof you had ample funds to make the missed payment. This should get the higher management at the loan servicer involved. Hope this info helps !

    2. Hi Andrea, thanks for reaching you. So if they’re successful on the phone with the bureaus, it should be about 3 days, if they have to write in instead, it may take from 14-30 days.

  56. Hi there, I hired Lexington law to remove a late payment for my Comenity Bankcard and nothing really happened. So I’m skeptical about if credit repair services can help. Please advise on what you can do different

    1. Hi Kevin, so sorry to hear about this, for Lexington if you do a google search and check out their yelp reviews, you’ll see the majority of folks have similar experiences. They basically send out generic dispute letters which will not remove late payments. The only way to remove them is through an intense negotiation with the creditor and if that doesn’t work, then utilizing the legal option. I’d be more than happy to provide you with a consultation and unlike Lexington, we do not charge until we get the late off.

  57. Ok so my husband and I recently were in escrow to get a mortgage and we forgot to make our Paypal credit card payment and this brought our score down by 100 pts. We have about 45 days to close, wanted to know what options we have that would be quick.

    1. Hi Mariana, so sorry to hear about this, first make a quick phone call and see what happened that led to the late and see if they’ll be willing to make a goodwill adjustment. They may sometimes agree if the late was due to an annual fee, fraud charge, or incorrect charge that needs to be refunded. Either way call them asap and if they don’t agree to remove, reach out to me .
      Best
      Ali

  58. Hi Ali, I’ve tried every darn thing with Citibank to remove a late payment they reported for March 2016 for my mortgage due to me transposing the mortgage payment amount, which was not sufficient to cover the minimum payment. They’ve stuck to their guns, even their executive department turned me down. What can we do at this point ?

    1. Hi Abigail, as of recent my associate attorney has been having good success with Citi based on a particular credit reporting disclosure. I’m confident we can get this done. Give me a ring at (323) 983-8973

  59. At around late last year, I was in the hospital and fell behind on my credit card payment for Comenity Bank. I was about 60 days late and when I got back home I paid the entire $200 balance off. I’ve reached out to them but they’ve stuck to their position. What else can I do?

    1. Hi Evelyn, so sorry to hear about your health issues. I’d suggest drafting a letter to Comenity and providing them with proof of your hospital stay and proof that you had enough money in your bank at the time to pay them.
      If they don’t agree to remove, then reach out to me and I’ll have some more options for you.

  60. My score absolutely tanked due to a fraud charge that came on my capital one accounts, which led to a late payment. What can I do about this?

    1. Hi Daniel, if you can get CapOne to reverse the fraud charge then they’ll likely remove the late payment as well. They should comply if the entire minimum payment that was due was all due to fraud charges and not legitimate charges. Reach out to me if they don’t agree to remove it, I’ve got some contacts at Cap One that would be able to help

  61. Does this method work for collection accounts as well, as I ‘ve got many unpaid collections from 5-6 years ago that are all medical related

  62. Hi Ali any luck with getting Bank of America to remove a 90 day late payment from the credit report, I incurred one while I was traveling earlier this year and they don’t seem to budge on this.

    1. Hi Michelle, Bank of America is a tough creditor to deal with , do call me directly at 866-611-4629 to discuss

  63. Hi Ali, after trying your method with my local credit union, I finally got a letter stating they will be removing the late payment from the credit report. Wanted to thank you for sharing this info !

    1. That’s terrific news Raphael ! I’m so glad this helped. Now that you’ve got the letter of late payment deletion the credit bureaus should update the account around the time the billing cycle for your account ends

  64. I saw that you had mentioned that late payments can’t be removed with credit bureau disputes, why is that and do disputes ever work in certain cases ?

    1. Hi Nicole, you read right. Basically creditors keep records on file normally for upto 4 years from the time an account closes down, so if you dispute an account that closed down less than 4 years ago its not likely to come off. Even less likely for a late to be rectified with a credit bureau disputes is if the late is on an open account. Since open accounts update every 30 days , even if the late is removed somehow it will come right back on within 30 days when the creditor re-updates the account. Hope this sheds some light on why credit bureau disputes don’t work for recent lates.

  65. I have a charge-off account from Synchrony Bank that was 180 days late and was incurred due to a problem with billing, I paid them but they are not willing to remove the account . What options do we have?

    1. Hello Jorge, so sorry to hear about this. Yes charge-offs are a tougher item to get off the credit report, reach out to me about this and we may have some options, I’d like to know the entire story and circumstances that led to the lates. You can call me directly at 866-611-4629 or email me at [email protected]

  66. So I tried to get a late payment removed for my auto loan that was due to a problem with my auto payment, but the lender has said this was not their fault, even though I had enough money in the bank to pay? Any luck you’ve had with Chrysler Credit ?

    1. Hello Rebecca, do let me know exactly what the problem was with the auto pay, also were you signed up for mailed statements or online statements? Yes, we’ve had success with Chrysler before, email me directly at [email protected] or call me at 866-611-4629

  67. Hello Ali, this is a really helpful article, super excited about rolling the dice on this and try to get a Capital One late payment off and will let you know how it goes!

    1. Hi Nina, thanks for the words of encouragement, wishing you the best of luck on this endeavor. Reach out to me if you’re unsuccessful

  68. Hi Ali, can you tell me how long this process may take to resolve, if I was to hire you instead ?

    1. HI Tammy, depending on the creditor and the circumstances surrounding the late, it could take anywhere from 30-90 days to resolve a late payment issue. Do shoot me an email at [email protected] and let me know the story behind and the late payment so I can provide you with a free consultation

  69. My husband and I have been struggling to get a late payment removed, in order to get a home loan but our credit score has been significantly impacted by a Capital One late payment. We were traveling at the time and thought an auto pay was set up, however it was not. This led to a $100 missed payment which tubed our score 80 points.
    I have already engaged capital one and they refused. Can you help ?

  70. Ok so I have this Capital One card late payment that was incurred due to an annual fee, the card was not even active, but there was an annual fee posted and it just destroyed my credit score.

    1. Hi Ajit, do call Cap One and request a courtesy removal, perhaps send them proof that you had enough money in your bank to make the payment.
      If this doesn’t work, reach out to me, I’ve got a very good success rate with Capital One

  71. Hello, I have a charge-off that occurred due to me not receiving mail at my correct address, the charge-off was from Synchrony Bank for a $44 balance for a store purchase that was put on a new card. I’m yet to pay this bill, what options do I have.

    1. Hi Viola, Synchrony normally is receptive to removal requests if it could be proven you didn’t receive the statements. Check with Synchrony what address was put on the initial app, if the store clerk put in your wrong address, then sending Synchrony a copy of your id may suffice to prove the wrong input address was not your fault and request that give this was a store error, that they remove the item in exchange for payment.

  72. Hello Ali, just a few weeks ago, my dad ended up falling behind on his First Premier credit card where I’m an authorized user, this card is reporting on my credit too and now is reporting a 30 day late payment, what should I do ?

    1. Hi Doris, this is a simple fix, just have your dad call First Premier, and get yourself removed off the card. Also request them to delete the entire account from the credit report. They don’t allow this for joint users ,but they’ll do it for an authorized user, so you’re good !

  73. I recently had fraud charges incurred on my credit card with Macy’s and they are in the process of investigating, what can I do to get my credit score back up to where it was ?

    1. Hi Doris, simply wait for Macy’s to conclude their investigation, after that you can call their credit bureau dept directly and have them remove the late payments. Keep in mind they’ll only remove the lates if they determine that the charges were fraud. If they determine that they were not fraud, then reach out to me at [email protected]

  74. I may contact you regarding a a chase late payment. The maturity date passed and all that was left was interest on the account. I was unaware that I had to pay that all in my last payment and the late payment on my credit sank my points by 93. Im under contract to buy a house so this is the worst time. I mailed a dispute to Chase and paid off the loan. Hopefully and prayfully they will remove the late payment. If anything, I may contact you further.

    1. Hi Charles, reach out to Chase by phone and specifically as for Chase’s credit bureau department. This is the dept at Chase that makes all decisions for late payment removal, explain to them the situation and see what they say. If they don’t agree, to remove, reach out to me.

  75. Wanted to share that your method worked in getting a stubborn late payment I had with Bank of America, as my husband forgot he had disabled our auto pay. It was a tedious 2 months that I had to hounded them every few days, but it worked, thanks so much for sharing this information !!!

  76. I have an issue with Chase where I was charged an annual fee by a company whose service I thought I canceled, and as a consequence I incurred a 30 day late payment, what can be done about this?

    1. Hi Frank, reach out to Chase by phone and ask for their credit bureau department. If the charge was refunded they should reverse the fees, otherwise reach out to me and we’ll figure out what options we have available to help

      1. Good Morning Ali,
        During this COVID 19 I missed a payment for the first time with my Credit Union Credit Card. I had no Idea I even missed this payment as I work long hours in the VAMC hospital during this crisis. How can I go about disputing this. It really hurt my credit and I’m in the process of house shopping?

        1. Hi Samantha, I’m sorry to hear about this, I’d say first step would be to call the creditor to see if they have any relief for people affected by the Covid19 pandemic and the shelter in place orders. If they are not willing to help, then just let me know and email me directly at [email protected]

  77. Hi Ali, what if I have a late payment with Macy’s, have you had any luck in dealing with them ?

    1. Hi Paolo, yes Macy’s has a dedicated credit bureau dept that looks into late payment removals. Normally they’ll be more understanding if the late occurred due to an oversight and not due to financial inability to pay

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