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Removing a late payment from your credit report. Even a single late payment appearing in your credit reports can adversely affect your credit score. That information can stay in your credit reports for up to seven years, and even if you make up the payment to bring your account current, a creditor has no obligation to remove the late payment information. Is there a way to get a late payment removed? The answer is a resounding maybe. If you have a late payment in your credit reports, here are a few things you can try to get it removed. Dispute inaccurate information. If you believe a creditor reported a late payment inaccurately, you can dispute it with the credit bureaus reporting the information, the creditor supplying the information, or both. Include as much detail as possible, including which information youre questioning, and why, also include any supporting documentation that supports your case. The credit bureaus with whom youre disputing will then review the information you p