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Late payments disputed.
Payments reported 30, 60, 90 or more days past due.
What are late payments?
A late payment mark means a creditor reported you as 30, 60, 90, or more days past due on an account. Lates are reported in buckets, and each deeper bucket reads worse to lenders. A payment that arrived on time but posted late, an autopay that the servicer fumbled, or a payment applied to the wrong account can all generate late marks you never actually earned. Because payment history is the single biggest factor in your credit score, even one wrong late mark punches far above its weight.
How late payments hurt your score
Payment history is about 35 percent of a FICO score, the largest single factor, so late marks hit hard. One 30-day late on an otherwise clean file can drop a strong score significantly, and lates can stay on your report for up to seven years.
Your rights under the law
The Fair Credit Reporting Act requires late payment reporting to be accurate in every detail, the dates, the severity bucket, and the account status. A payment you made on time that was posted late, a late mark that contradicts the account statements, or a severity worse than what actually happened can all be disputed. The bureaus must investigate, and marks the furnisher cannot verify must be corrected or removed. Late marks also age off after seven years, so anything older is disputable on its face.
How we dispute late payments
We line up the late marks on your reports against what actually happened on the account, then dispute every mark that is inaccurate, outdated, or unverifiable. That means wrong dates, wrong severity buckets, lates that contradict statements, and marks the furnisher cannot document. Disputes go to all three bureaus and we track each one to resolution.
We challenge items that are inaccurate, outdated, or unverifiable. We never promise to remove accurate, current, and verifiable information. Results not typical; individual results vary.
Covered by the Gold plan
Disputes for late payments are included in the Gold plan, starting at $150 down and $150 bi-weekly. Best for a heavier report.
Free guides on this topic
Questions about late payments, answered straight.
How long do late payments stay on a credit report?
Late payments can stay on a credit report for up to seven years from the date of the late occurrence. They cannot be re-aged to last longer, and older marks that keep reporting past that window can be challenged.
Does one late payment really matter?
One late payment can matter a lot. Payment history is the largest factor in your credit score, and a single 30-day late on an otherwise clean file can cause a meaningful drop. The higher your score was, the harder the fall tends to be.
Can an accurate late payment be removed?
No legitimate company can promise to remove a late payment that is accurate, current, and verifiable. What we do is challenge marks that are inaccurate, outdated, or unverifiable, which are far more common than most people expect.
What is the difference between a 30-day and a 90-day late?
The difference between a 30-day and a 90-day late is severity. Lenders read deeper buckets as much stronger signals of risk, and a 90-day late damages a score more and for longer. The reported bucket must match reality, and inflated severity is disputable.
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Submitting this form is not a contract. Results not typical; individual results vary.