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How to Remove 30 Day Late Payments From Your Credit Report – (Updated Aug 2022)

Ali Zane is a credit repair expert, advocate, and author with nearly 20 years experience getting positive results for his credit repair clients.
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This article will teach you my proprietor 3 step process of how I remove 30 day late payments from credit reports.  I’ve perfected this method over the last 20 years as a credit advocate while dealing with with every possible scenario and just about every creditor out there.

I’ve written this article for people that can’t afford my paid services and want the DIY (Do it yourself) method of removing lates.

So here is what the process entails  :

Step 1.Discovery of facts  (why you were reported late)

Step 2. Identification of errors (what circumstances caused the late payment)

Step 3: Engagement with creditor ( strategically arguing and escalating your case)

 

Step1: Make a thorough discover of how the late payment occurred 

It’s important to see what exactly happened.  First, if available, start with  looking over the account statements, identity when was the  payment  due and when was it finally made. Make sure was it a missed payment, or a payment that bounced,  Sometimes the payment could be marked late because the payment made  was not enough to cover the minimum amount.  You may need to look at your statements or call the creditors to  find out following,:

  1. When payment was due, and what was the amount
  2. When was the payment finally made
  3. Was there a bounced payment, or was the payment not enough to cover the minimum payment due

Next you’ll need to identify what errors or mistakes that were made that led to the late payment

Step 2A: Identity any mistakes made by the creditor 

Below is a list of common mistakes creditors make that lead to consumers being late on account. Check if any of the these apply to your case, you may need to call the creditor to confirm:

  1. The creditor applied an annual/monthly fee to your account which led to the late.
  2. You were locked out of online access to the account or the creditors system was down.
  3. The creditor had had the wrong spelling of your address or a missing apartment #.
  4. The creditor failed to update their system to your new mailing address or email address that you had provided before
  5. The creditor’s phone rep  took down your wrong bank account info when processing your payment.
  6. The auto payment you had setup was cancelled without you knowing.
  7. There was an interest charge incurred after you thought you had paid off the account in full.
  8. Charges were made to your card that were not authorized or were of a fraudulent nature.
  9. You had prior setup a deferment with the creditor due to Covid or a natural disaster and the creditor still marked you late.
  10. You made a payment on time  and the creditor failed to post it to your account.

 

 In the event you do find a mistake as described above, then ask the creditor for a courtesy removal of the late payment. If they agree to remove the mistakenly reported late payment, request a letter stating they are removing the incorrect late payment from the credit report.

Clarify that you want the late payment removed from the credit report and that you are not referring to its corresponding penalty fee (or for example an increase in the interest rate) that may have been incurred.

Normally, if the creditor agrees to remove the late payment they will themselves update the account history on the credit report. Bank of America, American Express, Citibank, and Wells Fargo often update accounts within a couple of weeks.

Additionally, I’ve found that credit cards like Capital One, Synchrony Bank, Macy’s Credit (DSNB), Bloomingdales, Comenity Bank, and American Express are more likely to bow to courtesy requests on the phone if you can argue for partial negligence on the creditor’s part.

On the contrary, big banks and credit card companies like Wells Fargo, US Bank, Discover Bank, First Premier, Credit One, Citibank, Prosper marketplace, Green Dot, Moneylion, Elan Financial, and Ally Financial may be swayed to remove a late payment.

But it would take some convincing. For auto loan lates, companies like Chrysler Financial, Santander USA, and Hyundai Motor Finance would take some work as well.

Mortgage companies like Newrez Shellpoint, Nationstar Mortgage, Specialized Loan Servicing, United Wholesale Mortgage (UWM),  the Money Store and Loan Depot claim on the phone they don’t remove late, but if you push hard enough, you can get them to change their position.

Either way, don’t get disheartened if you’re not able to identify any creditor mistakes. Stick with it and move on to the next step.

Step 2B: Identity any extenuating circumstances or errors that led to late payments

If you can prove that a third-party mistake or some extenuating circumstances led to the late payment AND it was not due to your financial inability to pay, then you’re in luck. If you can prove this, you can file a dispute with your credit card issuer and have them cancel the charge.

But beware, creditors will never remove a late payment due to financial hardship or job loss.

However, if you can show documented proof of the extenuating circumstances that led to the late payment along with a copy of a bank statement showing a healthy balance of a few thousand dollars, then creditors may agree to remove late payments under the following circumstances:

Examples of Extenuating Circumstances or 3rd party errors:

  1. You traveled while statements were being sent to your home.
  2. You were hospitalized or suffering from emotional trauma.
  3. There was a death or emergency in the family.
  4. Your bookkeeper or accountant forgot to render payment.
  5. You had set up automatic payments through your bank, which encountered an error.
  6. Your email was hacked where you get e-statements, or the creditor’s emails ended up in spam.
  7. Your paper statements and mail was being stolen.
  8. You had submitted a double payment the month prior, mistakenly thinking it would cover the next month.
  9. Your town was subjected to a natural disaster.

If you are able to prove a scenario like the one listed above, you will need to ask for the address, fax, or email of the creditor’s “Credit Bureau Department,” to whom you’ll fax this information for review.

Once they receive your information, will review your case and get back to you within 2-4 weeks with their decision.

But you may say “I’ve already tried this and the creditor has simply stonewalled me. What do I do?”

Move to step 3

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Step 3A- Engage the Creditor’s Executive Resolutions Department or Credit Bureau Department:

If your first correspondence or call has not worked, then that means you are likely in for the long haul. The next phase here would be to go up the chain of command.

A) Engaging Executive Resolutions Department:

Macy’s, Barclays, Synchrony, Discover, Bank of America, and Capital One all have executive resolution departments.If they don’t allow you to speak to the Executive Resolutions Department, then mail your complaint to their corporate office by certified mail, attention to their CEO.

Once you have sent the letter, it normally takes around 30 or so to get a response.

B) Lodging a Consumer Financial Protection Bureau Complaint:

At this stage, you can lodge a complaint with the  Consumer Financial Protection Bureau (CFPB)  against the creditor. If it’s a credit union you’re dealing with then you’ll need to file a complaint with the National Credit Union Association. Or here if it’s an education-related debt.

Now, if the late payment did not occur due to the creditor’s negligence or fault, then the complaint cannot be made under the premise that the creditor acted illegally and violated your rights under the FCRA. You can instead argue in the complaint that the creditor is acting “unfairly.”

Here is how the complaint works:

Step1: You lodge your complaint against the credit

Step2: The CFPB will  forward your complaint  to the creditor for a response.

Step3:  The creditors usually respond within 15 days.

Step 4: If the creditor does not respond favorably, the CFPB allows you to submit your feedback.

However, if you’re lucky, the creditor responds and states they agree to remove the late payment. In this case, they will update your credit report within 30 days.

Now, if your case is not strong enough, it is likely that they deny your request. Unfortunately, creditors often can brush aside such requests and stick to their position.

In my experience, large banks such as Bank of America, American Express, Santander, Citibank, and GM Financial normally don’t budge with regulatory complaints. Legal action is very often required for these creditors. That is why I have devised and utilized Step 3 with tremendous success.

Step 3B – Filing a small claims lawsuit or arbitration case against the creditor

Finally, if the first three steps do not yield results, I often help my clients file a small claims suit. Also depending on the creditor sometimes arbitration is a viable solution as well

Here’s what’s great about this; I have seen many judges rule in a consumer’s favor if they can prove wrongdoing by the creditors.

Research your state’s civil code to see what violations were committed pertaining to credit reporting. Also check for breach of contract, or unfair business practices.

Small claims court also requires consumers to show monetary damages. Proof of monetary damages could include documentation that a consumer was turned down for credit. It could also be that they received unfavorable financing terms due to the specific late payment.

Something to remember when trying to remove remarks from credit reports via legal action…Simply filing a suit will not make the creditor buckle.

The case has to be strong and well documented. What you may find surprising is, that even in the event the creditor does not show up to court, the judge will still look at the merits of the case and rule accordingly.

I normally recommend hiring an experienced professional or attorney if you are going to go down this path.

This is due to the complexities involved with filing and winning a small claims case to erase your late payment,

I do offer a free consult to determine if legal action is the right course for you.

 

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Will a credit bureau dispute remove a late payment? 

A credit bureau dispute will not remove recent late payments,  although there’s a small chance it may  remove a very old late payments (4 years old) on closed account,

A lot of misguided credit repair “experts” encourage consumers to dispute recent lates, claiming you’ll get a deletion “if the creditor does not respond within 30 days.”

In reality, this is one of the biggest mistakes you can make.

Why? Simply put, technology.

Today, all the credit bureaus have modernized their systems and switched to automatic dispute verifications where they correspond with the creditor via their data exchange interface, E-Oscar. (Learn more about what credit bureaus are and how they work)

Hence, unlike in the older days, no phone calls or handwritten communication is exchanged between credit bureaus and creditors.

This interface verifies millions of accounts that are disputed by consumers every month in a matter of minutes.

It does so by simply cross-referencing databases of the major consumer credit bureaus and creditors.

However, old late payments on accounts that have been closed for several years.

How to dispute old late payments on closed accounts with credit bureaus: 

However, credit bureau disputes may work with a minor degree of success for one type of late payment:

A very old late payment on an account that’s been closed for at least 4 years or longer.

Generally a dispute like this for a very old closed account with lates can yield a 30 % success rate.

They can also be effective for questionable older collection accounts and charge-offs if you utilize the dispute the right strategy.

 

Can a late payment be removed if it was caused by the Covid-19 pandemic & shelter in place orders?

It is possible for a lender to remove a late under the CARES ACT if you had a late payment for the month of February2020 or after that

The economic fallout from the coronavirus has caused lenders to make exceptions for those who suffered a loss of income or health complications as a result of the pandemic.

If you found yourself in this situation, the first step would be to simply call the creditor and see if they’ll be able to issue a courtesy removal of the late payment. They may ask you to prove your loss of income or health complications.

Some creditors have guidelines that state that late payments can only be removed if you called before you fell behind and asked for a deferment.

Read our article about how to address and remove Covid-19 related late payments.

However, lates incurred prior to February 2020, will not qualify for goodwill deletion under the Covid-19 pandemic situation. In that case, you’ll likely need professional help.

How long does it take for your Fico Score to recover from a late payment?

Although the late payment will stay on your credit report for 7 years,  I’ve seen consumers get back about 50% of the lost points in about 2 years time and from then on its a slow progress to get the remaining 50% of the lost points.

To give you details, once you get current on a recently late account , you can expect a 10-15 point increase.

You’ll also see some bumps to the score at the 6 month period and the 18 month period.

Also in addition to these milestones the score will organically increase by 1-2 points monthly, as long as you keep current on the rest of your credit accounts

 

How does a 30, 60, or 90-day late payment affect your credit score?

If you have a good credit scores in the high 600s or over 700,   then a recent late will impact you much more than if you had a score lower than 600.

If someone’s never been late before or had no late payments for several years, then a recent late payment can drop their 700 plus Fico credit score by as much as 80 points.

And a  60 to 90 day late would  drop the score  by  100 to 120 points!

This is regardless of whether it was a $10 payment missed or a $10,000 payment missed, Fico does not differentiate between the two.

What’s most heartbreaking is I’ve seen people with millions of dollars of credit paid on time, and $2 missed payment ends up destroying their  credit score.

Now on the contrary, consumers with a 550 credit score (who already had multiple other negative accounts), have their score drop by 20-30 pts due to a new late.

Basically, the higher your score is, the bigger drop you’ll experience from a recent late payment.

 

How do late payments affect your credit score

 

How long does a late payment stay on your credit?

The late payment will become part of your credit payment history and stay on your credit report for up to seven years.

The seven years start from the time the late payment was incurred and not from the time the account was started.

Will paying off or closing the account remove the late payment from the credit report?

Unfortunately no, even paying off or closing the credit account will not remove the late payment any sooner.  You can call and offer to pay the account, but the so-called ‘pay for deletes’ only works with collection accounts.  I always advise against closing accounts, since that may end up dropping the credit score further.

When does a late payment reported to the credit bureaus?

Here are scenarios of payment due dates and when one could be marked late:

For Payment due date:  June 1

If payment is made:  June 10th  ( you will not be marked late, since it is not 30 days past due)

If payment is made: June 29th ( you will not be marked late, since its not 30 days past due)

If payment is made: July 1st (you will be marked 30 days late since payment is no exactly 30 days past due)

Will my bank remove my late payment?

So every creditor has different internal policies. As a rule of thumb you’ll find the with store credit cards you may be able to get deletions on the phone. Whereas mortgage companies require more elbow grease to remove late payments.

Eg. Honda Finance will remove a late payment if you can show proof of medical hardship, whereas Toyota Motor Finance won’t.

Below is a list I’ve compiled using data over the last 20 years of my dealing with creditors, which rate creators from easy to difficult when it comes to removing late payments.

Creditor that remove late payments (Easy): 

Americredit Financial Services  dba GM Financial

Ally Financial

Applied Bank

Bloomingdales

Capital Bank

Carmax

Cashcall

Celtic Bank

Chrysler Financial

Credit Acceptance

Citi

Comenity Bank (store cards)

Credit One

Discover

DSNB  (Department Stores National Bank)

Elan Financial

First Hawaiian

First Premier

Genesis FS Card Services

Greendot

GM Financial

Honda Financial

HSBC

Hyundai Financial

Kia Financial

Kohls

Macys

Manufacturers and trader

Mercedes Benz Financial (MBZ Financial)

Money Lion

OneMain Financial

Oportun

Regional Acceptance Corp

Rise Credit

Specialized Loan Servicing (SPS)

Santander USA

Synchrony Bank (store cards)

Toyota Financial /Lexus

Wilshire Consumer

United Consumer Financial

US Bank

Webbank

Westlake Financial

 

Creditors which require effort to remove late payments : ( Medium Difficulty ) 

American Express

Barclays

BBVA

Credit Unions (any one of them)

Curacao

BM Harris

Capital One

Ford Motor Credit (FMCC)

Fifth Third Bank

Flagstar Bank

Freedom Mortgage

Goldman Sachs

Nissan Motor Credit

Newrez (Shellpoint Mortgage)

PNC Bank

Newrez (Shellpoint Mortgage)

Upstart Network

Upgrade inc

USAA

Wells Fargo Bank

PennyMac Mortgage

 

Creditors that rarely remove late payments  : (Most Difficult)

(these are creditors we don’t work with):

Affirm

Audi

BMW Financial

Bank of America (unless its a credit card 30 day late within last  13 months)

Chase credit card

Chase Auto loan

Goldman Sachs

JP Morgan Chase Bank

Lending Club

Student loans

Truist Bank

Volkswagen (VW Credit)

TD BANK  (unless auto loan )

If any of the creditors are not listed above, reach out to me personally to find out about the difficulty involved in removing the late. 

 

In Conclusion…Things to keep in mind when removing a 30-Day Late Payments

If the above steps don’t work,

Then you may need legal and professional help

Over the last 20 years, I have helped my clients remove hundreds of late payments from their records.

Reach out if you’d like to see if I can help you too!

 

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Angelina S.
2019-10-17 23:53:16
I finally got my credit fixed through the help of a credit company XAP CREDIT SOLUTION, this company prides itself with various levels of credit repair....
Emily R.
Emily R.
2019-10-17 13:48:31
I just want to share this testimony to encourage those with bad credit report whose life seems unbearable and uncomfortable. I have been battling with same...
Scott L.
Scott L.
2019-10-15 22:17:26
Am Scott Lewis, I really want to appreciate the Almighty God for restoring my financial status through the help a stranger who is into hacking,credit repair...
Kathy P.
Kathy P.
2019-10-14 14:15:48
Kathy Potter West Virginia, I'm writing this review to appreciate Ghost Virus the credit repair specialist. Few weeks back I needed an urgent credit repair...
Rose J.
Rose J.
2019-10-11 00:44:47
I came across a credit specialist on a beautiful morning while searching for a hacker to fix my credit so as to enable me apply for a business loan to...
Cheri P.
Cheri P.
2019-10-10 02:56:05
I consulted with Hack West Credit Repair ([email protected] and +1 (424) 307 2638) early this year when I first started a career in the oil and gas...
Margarida B.
Margarida B.
2019-07-15 05:16:16
My husband was fighting cancer and it almost crucified us, I needed my credit cleaned so I can get a place to live with my family. I had repos, late...
Maui ..
Maui ..
2019-07-12 14:15:26
I did not get to use Ali's services (yet) but I inquired about a potential credit situation and whether he would be able to help. Ali was responsive to my...
Godson W.
Godson W.
2019-07-10 00:08:14
How do I appreciate [email protected]/+1 424 307 2638? Hack West helped in raising my credit card limit from $10000 to $20,000 limit in couple of days....
Alexander D.
Alexander D.
2019-06-28 16:27:42
I rarely leave a Yelp review, but Ali and his team fully deserve it. I had a late payment posted from Credit One bank after 5 months of my account being...
John A.
John A.
2019-06-27 14:49:33
I must have talked to 10 credit counselors/advisors before I found one I was comfortable working with. When I talked to Ali, I knew immediately I wanted to...
M P.
M P.
2019-06-27 07:13:02
Amazing! Did EXACTLY what they sought out to do. I'm actually quite shocked as I didn't think they would get rid of as many negative accounts as they did....
Sean P.
Sean P.
2019-06-19 16:44:37
These guys are the most reputable and honest company around. Ali and his team go out of there way to help and give great advice. They helped me with my...
Shiran K.
Shiran K.
2019-05-28 10:11:46
Hands-on the best talented individual I have ever had the pleasure to work with. It's not only the final result which was removing late payment on my credit...
Joan B.
Joan B.
2019-05-21 14:59:47
I have been researching people who could help me get out of this debt quickly and I stumbled across several positive reviews about HACK WEST CREDIT REPAIR....
Joseph S.
Joseph S.
2019-05-21 02:35:18
Hello, My unprofaned gratitude goes to Dr. Ahmed Krishna, Investment/Loan adviser to some Arab Investors Based in Saudi Arabia Middle East. They have funds...
Juliet S.
Juliet S.
2019-05-20 07:08:31
My husband and I were trying to get a VA mortgage. My scores changed fast, major ups and downs to the extent it dropped 123 points when my student loan...
Juli H.
Juli H.
2019-04-24 17:56:13
I had a few questions about hard inquiries and Ali was very helpful and honest and he said that at this point my credit issues can only solved by me paying...
Irvinne O.
Irvinne O.
2019-03-27 15:39:08
Ali got back to me asap and explained to me that his team could not help me with my financial needs but he pointed me in the right direction and he was very...
Lan M.
Lan M.
2019-02-16 23:18:20
Ali was able to remove the collection item on my credit report within 45 days! My credit scroe is now back to 750 from 660. He was very patient and...
Fred T.
Fred T.
2018-12-03 12:10:36
Ok let me tell you my story: Last October I made a payment for my vehicle on their app. 30 days later I logged in to make the payment for month of...
Shiran K.
Shiran K.
2018-11-02 10:56:15
Hands-on the best talented individual I have ever had the pleasure to work with. It's not only the final result which was removing late payment on my credit...
Nino J V.
Nino J V.
2018-09-21 21:05:28
I consulted with Mr. Ali Zane over the phone 9/7 about my post bankruptcy 6 years ago where some of the accounts are reflecting negatively and...
Zoey S.
Zoey S.
2018-09-11 10:21:01
Ali Zane was extremely helpful. He answered all of our emails and returned our voicemails quickly. He took his time to explain things we had questions about...
Shiran K.
Shiran K.
2018-09-05 13:44:58
Hands-on the best talented individual I have ever had the pleasure to work with. It's not only the final result which was removing the late payment on my...
Rachael M.
Rachael M.
2018-07-25 09:25:59
Something popped up on my report that wasn't mine. Ali's advice is clear and concise. It was way easier than I anticipated. I will refer all my friends to...
Allen R.
Allen R.
2018-05-21 16:53:12
Ali was really helpful and honest. I called to check if its possible to remove one negative item that I have in my credit report. Ali was asking me to get...
Preston T.
Preston T.
2018-04-25 11:12:08
I called Ali to review my credit report to make sure everything was in line. First, he was very proactive and responded very quickly to my voicemail. After...
Deborah K.
Deborah K.
2018-03-12 14:31:50
Super straightforward, easy and helpful. Gave me odds on whether or not they'd be able to get two delinquencies removed from my report.I They got them...
Charles K.
Charles K.
2018-03-02 14:15:43
Ali gave me a free short 2 minute consultation on the issues I was facing with my credit and told me to wait a month before checking with him. If I do have...
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