 TITLE: How Can I Remove Late Payments From My Credit Report? CONTENT: Contact Your Creditor for Assistance\n------------------------------------\nIf you believe a creditor incorrectly reported the late payment, you may want to start by submitting a dispute directly to them. Include any documentation you have—such as copies of a canceled check or payment verification email.\nIf the creditor investigates and agrees that there was an error, it will send an update to all the credit bureaus it reports to and have the late payment corrected or deleted. You can monitor your credit reports for the changes, which may take several billing cycles to appear. END