Late payments are bad for your credit scores. Credit scores are used by financial institutions as an efficient way to assess what type of debtor you will be. Thus, missed payments can make a great impact in your credit history since they remain on your credit report for 7 years unless you do something. Here are three easy and effective techniques you can use to get them removed from your credit report.


1. Review Your Credit Report and Dispute Late Payments

Before anything else, obtain a copy of your credit report. It’s important to review if there are possible errors and inaccurate information on it.

If you do find late payments that are inaccurate, you need to dispute with the original creditor and the credit bureaus. You may also call the original creditor to make adjustments on your behalf. 

2. Appeal to Creditors with a Goodwill Letter.

A goodwill letter is probably the easiest and surest way to repair your credit report. The purpose of this is to request the creditor to remove the negative mark from your report. To write a strong goodwill letter, you should be courteous and take responsibility for the late payment, and explain why it happened. Give a valid reason for the late payment.

Creditors are willing to give you amendments if you have established a good relationship with them and if you are currently in good standing with the agency. 

3. Offer To Sign Up For An Automated Payment Plan

To avoid future late payments, set up a direct debit from your main bank account that will be used for monthly payments. This ensures future payments will be made on time and will prevent any problems in the future.


After removing negative information, you should still requests new copies of your credit reports and monitor the credit score to make sure the item has been updated. This is also a one way of keeping track of your progress.