 TITLE: When Do Late Payments Get Reported? CONTENT: What to Do if the Reported Late Payment Is Incorrect\n----------------------------------------------------\nWhen your credit report shows that you missed a payment, but you know you paid the bill on time, you can file a dispute with the credit bureau where the late payment appears and ask it to correct your credit report. Each of the major credit bureaus—Experian, TransUnion and Equifax—has different procedures, but you can file disputes with each by mail, phone or online.\nWith Experian, the simplest option is to use the online Dispute Center. After creating or logging in to your account, you can review your credit report and select the late payment that you want to dispute. You can then indicate the reason for the dispute and upload supporting documents, if you have them, such as proof of your on-time payment.\nExperian will keep you updated during the investigation and resolution process, which generally takes 30 days or less. Once the investigation is complete, the disputed information will be corrected, deleted or, if deemed accurate, it will remain on your report. END