How to Remove a 30-Day Late Payment Incurred During Covid-19 Pandemic

remove late payments during covid-19

As a credit repair expert, I wanted to write a self-help post to help the millions of people whose credit has been impacted and how to remove late payments during covid-19 pandemic. People have been late on credit cards, installment loans, auto loans, or mortgages.

So, in this article, I will go over proven strategies I‘ve used to remove countless late payments.

Now, I can imagine prior to the outbreak you had terrific credit, and a recent late payment( due to financial constraints or an oversight made your credit score tragically plummet over a whopping 50-100 points. Thereby effectively ending your chances of getting approved for any kind of decent loan.

You’ve done everything right with your credit and here something happens that is absolutely beyond your control. This is time we start freaking out and go into a psychological downward spiral, losing sleep and our emotional well-being.

However, just know this problem can be solved, as long as you follow my instructions on how to remove late payments during Covid-19 below.

remove late payments during covid-19 free consult

So you may now ask the questions.


Can a 30-60 day late payment be deleted that was incurred during the pandemic?

The answer is yes, there are multiple avenues to pursue in this situation. Unfortunately, Congress has not helped and made it easier for people and left it to lenders to decide who gets a late payment and who doesn’t during this outbreak.

Although first let’s discuss what qualifies as a late payment incurred during the pandemic.

These would strictly be late payments that we due in late February or March that you didn’t make.
It would not cover any payments you missed before late February or March 2020.

If you have such older late payments, then they’re not pandemic-related late payments, and there’s a different process involved to remove older late payments.

Before we move on to how to remove late payments during covid-19, it is vital to access your financial position, in order for us to find your best path forward. So let’s answer this question first.

Removing a recent late payment if you're able to make all the past due payments ?

In the event you’re currently able to make all payments and are financially stable, but just had a missed payment or two, then here’s what you need to do:

STEP 1: Call & speak to the creditor

 STEP 1: Call & speak to the Creditor

Call the lender, request that they remove the late payment from your credit report, as it was incurred due to the coronavirus outbreak and you’re able to make the past due payment today.

Do stress if your state or city had a ‘shelter in place,’ at the time of the missed payment, or if you were quarantining yourself due to Covid-19 symptoms. If there is proof of foreign travel which had you stranded or proof of loss of income or health complications, do offer to provide that.

Be sure that the phone representative is clear about you wanting the “late payment removed,’ which should not be confused with ‘getting the late payment fee reversed’ (although you can ask for the late payment fee forgiven as well ). Now you can also suggest they backdate a payment deferment for you so that there was no payment due the prior month.

If they don’t agree to remove the late payment or give you a back-dated deferment to remove the late payment then make your payment to keep more lates from coming on and move to the next step.

STEP 2: Engage the creditor’s ‘executive resolutions dept’ or ‘office of the CEO’

Most lenders have such a high-level customer resolutions department, which goes by different names, depending on the lender. Capital One has an executive resolutions department and so does Chase, Bank of America, Amex, and virtually every major lender.

Just do a google search to either find the phone # for this department or Google for the email address.

If all else fails, simply find out the headquarters address of the lender and send an overnight letter with a signature required addressed to the CEO. Include your phone # and email, and chances are very high that you’ll get a response back.

STEP 3: File a CFPB complaint against the creditor

I’ve found this to be a highly effective strategy over the years. Consumer Financial Protection Bureau (CFPB) is a government agency whose purpose is to protect consumer rights in the financial sector. Their website, has an online complaint portal, where you can simply have to do two things, state what happened and what resolution you seek. Once you file this complaint, the CFPB forwards the complaint to the creditor, who’ll be required to respond back in about 15 days with a resolution.

STEP 4: Hiring a Professional to Help: how to pick the right credit repair company

Unfortunately, despite running a credit repair company myself for over a decade, I have to say that the credit repair industry is riddled with unscrupulous businesses, who prey on consumers. In fact, even the most successful credit repair companies, Lexington Law and were sued by the government consumer protection agency for charging illegal upfront fees and using deceptive marketing tactics.

So how do you pick the right credit repair firm? There are 3 things to look into.

The first is to check their Yelp page for reviews and read through them. Most other review sites, like Google reviews, make it easy for anyone to leave a review, whereas yelp is very intelligent in filtering fake reviews. Back in the day, the BBB used to be a credible source, but unfortunately, they’ve been known to list businesses in a better light that pay them.

Second, make sure they don’t charge any upfront fees and charge you only if and after your credit is repaired. Yes, that means no monthly fees or any fees until you see results produce.

Lastly, in your state, if there are licensing and registration requirements for credit repair companies, and make sure the company you’re dealing with is properly licensed in your state. For example, in California, credit repair companies are required to be registered with the California Attorney General’s Office and post a bond for $100,000 with the secretary of state.

If you find a company that satisfied these 3 requirements, then you should be good to go!


What to do if you’re not able to make your future upcoming credit payments?

In this case, you not only want to get the late payment removed, but also want to get future payments deferred. This is possible! You’d need to call your lender to get a deferment.

Just make sure to ask the phone represented one very important question: “Is my credit going to be harmed if I get into a deferment?” The major banks are offering deferments for 30-90 days, without your score being impacted. However, if you’re dealing with a lesser-known institution, you want to find out their specific policy on deferments and credit reporting.

6 thoughts on “How to Remove a 30-Day Late Payment Incurred During Covid-19 Pandemic

  1. Hi Mr Ali Zane, so our mortgage has been put on hold due to a late payment with Synchrony Bank Amazon Card over a $10 charge, we’ve tried everything from goodwill request for removal to disputing with the credit bureaus.
    This was just an oversight, as I was attending to my husband who had covid.
    I read someone else comment you helped them remove a late with Synchrony Bank
    Please help.

    1. Hi Margie, I’m sad to hear that your mortgage has been put on hold due to this issue.
      Yes, I do deal with Synchrony’s legal team quite frequently, over multiple types of cards, include Amazon and PayPal cards.
      Shoot me an email at [email protected] .

  2. A Credit One late payment, is the most pressing issue in my life right now.
    They charged their annual fee and totally screwed me over and destroyed my 800 credit score, now I’m sitting at a 650.
    I’ve spoken to managers, wrote to the CEO , filed CFPB complaints and I’m being stonewalled.
    I saw that you’ve gotten late payments and Credit One charge-offs removed.
    Could you tell me what I’d need to do ?

    1. Hey Ronnie, Credit One is perhaps the worst of the banks when it comes to mistreatment of consumers.
      Their online system and customer service is awful.
      I’ve got a contact at Credit One that I can call upon to get this matter resolved.
      Email me any back story behind the account, my email is [email protected]

  3. So Ali I incurred a late payment with Bank of America and they’ve failed to remove it despite me making an argument that it was Covid related, they escalated it to higher management and still turned down my request. US Bank on the other hand removed a late for me.

    What could I do for BOA , I need to refinance my Capital One auto loan.

    1. Hi Alex, sorry to hear about this. Yes some banks like Bank of America are being extremely unsympathetic. which I feel is beyond unacceptable and extremely unfair given the trying times we’re in.

      I’ve had very recent success with them , to discuss how I can help do email me at [email protected]

      Ali Zane

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