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To remove late payments from your credit report, start by obtaining a new copy of your credit report from all three credit bureaus. If the late payment is from an open, active account, the first method is to call the creditor. Provide your account details, explain your circumstances, and express your willingness to sign up for automatic bill pay if they remove the late payment and update the account to current. If this doesn't work, consider sending a Goodwill adjustment letter to the creditor, detailing the account and explaining why the late payment should be forgiven. If you have multiple late payments, it's advisable to wait 6 to 12 months before making this request, ensuring a history of positive payments.
