The method you use to actually practice how to remove late payments from credit report depends upon why the information is noted on your credit profile. If these late payments really did not happen, then you have a couple of options regarding how to remove late payments from credit report.
- Be absolutely sure the late payments did not happen. Lying to get information remove from your credit report is a crime, according to the Federal Trade Commission. Consider that late payments report for no more than seven years total, and don't take the legal risk of lying to the agencies that issue your credit report.
- Write a letter to each company that is reporting the incorrect information. Tell them under the Fair Credit Reporting Act (FCRA) they must execute the task of how to remove late payments from credit report; only use this tactic if the late payments really did not happen. Send your letters certified mail and keep a copy for your records.
- Approach each credit bureau reporting the late payments. An example of a dispute letter is noted on the FTC website "How to Dispute Credit Report Errors." In the United States, it is likely that the agencies you need to approach on how to remove late payments from credit report are Equifax, Experian and/or TransUnion. The appropriate addresses are noted on your credit report; some states have different corresponding addresses so be sure to use the right one. If you have questions about the credit report dispute process, you can call each credit bureau at the following numbers: Equifax, (888) 766-0008; Experian, (888) 397-3742; and TransUnion, (800) 888-4213.
- Wait about 45 days to receive responses from the involved credit reporting agencies as well as the company issuing this information to your credit report. If you do not receive a satisfactory response, you may need to consider retaining an attorney, writing additional letters and/or suing the involved companies in your local small claims court. If you really deserve to have the companies practice how to remove late payments from credit report, federal law protects you. Don't hesitate to politely yet firmly exercise your rights to have only accurate information noted on your credit files.