Late payments are reported month by month, so we compare your payment history at each bureau against your own records. A late payment reported in the wrong month, during an approved deferment, or past the reporting period can be disputed.
Common situations
- Different late-payment months across bureaus
- A late notation despite an approved deferment or relief arrangement
- Late payments remaining beyond seven years
Our approach
- Compare payment histories month by month
- Dispute inconsistent, incorrect or outdated records
- Help prepare goodwill requests for accurate lates with special circumstances
What to prepare
- Bank statements or payment records
- Written deferment or relief evidence, if available
Official references
- 15 U.S.C. § 1681c — FCRA: reporting time limits
- 15 U.S.C. § 1681i — FCRA: dispute investigations
- CFPB — How do I dispute an error on my credit report?
Frequently asked questions
How long can a late payment stay on my report?
Generally up to seven years from the date of the delinquency. Its effect on scores usually fades as it gets older and as you add on-time payments.
Can an accurate late payment be removed?
Accurate information may legally remain. Some creditors will consider a goodwill adjustment when there were special circumstances, but they are not required to.
Does a 30-day late count the same as a 90-day late?
No. Payments are usually reported late once they are 30 or more days past due, and more severe and more recent late payments generally weigh more.
Accurate, verifiable records may legally remain. We do not guarantee removal or any specific score. You may also dispute errors directly with the credit bureaus for free.
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