Options
- Was it reporting error? Dispute with evidence (bank statements, confirmations).
- Is it legit but isolated? Try a goodwill request to the lender if you have a strong on-time history.
- Auto-pay setup: Show that you've fixed the root cause.
- Severe delinquencies: Negotiate to re-age or to update as "paid as agreed" (rare but possible).
Scripts (mini)
Goodwill: "I value our relationship and have been on time for X years; this one late was due to ___ (documented). Please consider removing as a goodwill adjustment."
Error dispute: "Attached proof shows on-time payment. Please correct inaccurate reporting."
Frequently Asked Questions
How successful are goodwill letters?
Higher success with isolated lates, long positive history, and documented hardship.
Can I remove accurate late payments?
Only through goodwill requests or negotiation—you can't dispute accurate information.
How long do late payments stay on my report?
Typically 7 years, but impact lessens over time.