People who seek access credit try to find ways to improve their credit score. One approach is through making necessary corrections to negative data such as late payments. It is an essential negative mark that stays on your score for seven years. By focusing on this area, you get the chance to increase your score significantly. The following suggestions are helpful in removing late payment instances in your credit report.

Access your Report

One of the first things you need to do is access your credit report. It emphasizes on familiarizing with the data in your credit history. The information gives you the chance to examine essential points and give you familiarity of points that influence positive or negative scores. If you are seeking professional assistance, there is a credit repair company that can help you get the job done.

Identify Inaccuracies

The next step in the process of credit fix is recognizing mistakes. In your case, you need to examine whether there are instances of late payments in your report. Look closely at these parts and determine if the mark is an error or you settled the account late. These points are critical to helping you make the necessary steps to remove in your credit report.

Request Removal

After identifying if there are instances of late payment, you should then pursue strategies to remove these from your report. One strategy is through writing a letter of goodwill adjustment. The process involves requesting your creditor to change the record. It works well if you have shown consistent and on-time effort to make payments. You can do the letter or request a credit repair company to communicate with your creditor.

Another approach focuses on negotiating with a creditor. It involves asking for a deal that can help you remove late payment instances in your report. A good method is signing up for automatic payments. It is a good way to show that you seek to improve your ability to settle accounts on-time. A creditor’s response is usually positive and would help you remove the late payment record.

The final part involves requesting a change if there is an error or mistake. You should always dispute inaccuracies in your report as it impacts your score. If you see a late payment in your report, always check if it is correct. Make an effort to request for change and have the necessary documentation to support your claim.


The final part involves the follow-up. Creditors can take time in removing your late payments in your report. After their review, companies will send you a letter informing of their decision. If you need to improvements in your score quick, it is best to communicate with their representatives to familiarize with the usual lead time before they decide on an issue.

The Bottom Line

Overall, removing late payment instances in your report is a good way to increase your score. In fixing the problem, it is crucial to become knowledgeable about your issue and make the necessary effort to request removal. You do the act personally or seek professional help. As you decide to improve your rating, it is best to plan every step to help you achieve positive results.

Hiring a good credit repair company is an important step if you want to improve your credit score. You can learn more how to maintain a good credit at

One of the steps to do a credit fix is to get rid of errors on your credit report. Visit our website and learn how you can do this.

About The Author

Helen Mayfield