US Legal Forms
Legal Resources
Questions & Answers
Debts and Credit
How can I remove a 30-day late mark from my credit report?

How can I remove a 30-day late mark from my credit report?

Q: Can you get a late payment forgiven?

Yes, it is possible to get a late payment forgiven. You can request forgiveness by contacting your creditor and explaining your circumstances. If you have a good payment history, they may consider removing the late mark as a goodwill gesture.

Q: How to get 30 day late removed from credit report?

To remove a 30-day late mark from your credit report, first gather your payment records. Then, send a written notice to your creditor disputing the late payment, citing any evidence that supports your claim. Follow up to ensure they investigate your dispute.

Q: Can you get a late payment removed from a credit report?

Yes, you can request the removal of a late payment from your credit report. Contact your creditor to dispute the late mark, providing documentation that supports your case. If they find the mark to be an error, they may remove it.

Q: How do I ask my bank to forgive a late payment?

To ask your bank for forgiveness of a late payment, reach out via phone or in writing. Clearly explain your situation and provide any supporting documentation. Request a goodwill adjustment to remove the late payment from your credit report, especially if you have a strong payment history.

Full question:

I need your help in getting a 30 day late mark off my credit report. I have a department store credit card, which I pay off every other month. They say that my first payment was due on the 8th of the month and I paid it on the 17th. Then they say that I didn't make a payment at all. I don't know what's going on but I pay all of my bills on time. I don't know if they are not processing the payments until later or if they are arriving late through the mail. I have paid the Target card off regularly and they refuse to take these bad marks off my credit report. My credit report is extremely important to me. What can I do?

Category: Debts and Credit
Subcategory: Fair Debt Collection Act
Date: 04/07/2025
State: Alabama

Answer:

The Fair Credit Billing Act outlines a process for correcting billing errors. If you believe there’s an error on your account statement, you can send a written notice to the creditor within sixty days. This notice should include your name, account number, and details about the billing error, including why you believe it’s incorrect.

Once the creditor receives your notice, they must acknowledge it in writing within thirty days. They are required to investigate and either correct the error or provide you with an explanation within two billing cycles (but no later than ninety days) before taking any collection action.

To proceed, gather your payment records and send a formal notice to the creditor detailing your situation. This might help in resolving the issue and potentially removing the late mark from your credit report.

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

How to ask for late payment forgiveness?

To ask for late payment forgiveness, contact your creditor directly. Explain your situation clearly and provide any evidence of timely payments. Request a goodwill adjustment to remove the late mark from your credit report. Be polite and persistent, as creditors may be more willing to help if you demonstrate a good payment history.