 TITLE: Can Credit Repair Companies Remove Late Payments? CONTENT: How to Dispute Inaccurate Late Payments Yourself\n------------------------------------------------\nThe FCRA gives you the right to challenge or \"dispute\" information on your credit reports that you believe is incorrect. Unlike hiring a credit repair company, disputing information on your own is free.\nIf you believe your credit reports hold incorrect information, late payments or otherwise, you can file a dispute with each of the credit bureaus or contact the company that furnished the allegedly incorrect information and ask them to have the information removed.\nIf you dispute credit report information with the credit bureaus, they will investigate your claim and then remove, update or leave the information on your credit report depending on the outcome of the investigation.\nTo dispute a late payment on your Experian credit report, go to the Experian [Dispute Center](;phx=disable&op=FRCD-ASK-ART-102-MDL-XXXXXXX-XX-EXP-VMAC-DIR-816XXX-39030X-XXXXX). END