 TITLE: How Can I Remove Late Payments From My Credit Report? CONTENT: How to Dispute Inaccurate Information on Your Credit Report\n-----------------------------------------------------------\nYou can also dispute any inaccurate information on your credit reports with the appropriate credit bureaus. Once a dispute is filed with the bureau, it will reach out to the creditor that supplied the information and ask them to verify it and respond to your claim.\nIf the creditor makes a change in response to your dispute, it must notify all other consumer reporting agencies to which it reported the information of the change.\nBecause each bureau handles disputes independently, you should check your report with each to make sure the changes have been made. If they haven't, contact each of the credit reporting companies that are reporting the information separately to initiate a dispute with them.\nExperian has an online portal you can use to submit a dispute, or you can file a dispute by phone, mail or fax if you prefer. Equifax and TransUnion have similar systems and options.\nFiling a dispute is free, and you can attach or send copies of supporting documentation to verify your claim. However, some items that appear on your credit report typically aren't disputable, such as correct legal names and addresses.\nOnce a credit bureau concludes its investigation, it may verify, update or delete the item in question. Disputes are generally resolved in 30 days—although they may be completed even sooner.\nSometimes, the creditor will disagree and continue to report the late payment, or the late payment may be removed temporarily but re-reported later once it has been verified. If you still disagree, and you have additional documentation supporting your claim, you can submit that new documentation to the credit bureau and request a new dispute. END