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heres two ways you can dispute your late payments so the first way is by whats called factual disputing youre looking at the facts on your account and youre comparing it across all three credit reporting agencies Equifax experience and Transunion so if you see any inaccuracies in terms of the month that you were late on that account or anything like an account number or dates or balances that doesnt match up with all three bureaus you can use that inaccuracy to remove the late payment second way is through consumer law disputes so with consumer law dispute and you can go on cornell.law.edu and look at all the different laws that have been created to protect us as a consumer so one of the laws you can use is called 15 USC 1666b which is a billing error so basically lets say you never got a notice that you were about to be late on your payment you can use this lock and possibly dispute the late payment off your credit report