A late credit card payment affects you in more ways than one. The late payment will more than likely be reported to credit agencies resulting in a blemish on your credit report. In addition, you may incur additional fees through your credit company for paying late. While a 30-60 day late payment is bad, a 90-day-plus late payment is worse because it can be just as damaging as filing for bankruptcy. Get your credit back on track by getting rid of a late credit card payment.
Instructions
- 1
Get in touch with your credit card company to pay off any 30-60 day late payments. These late payments are only damaging to your credit score while it is currently being reported as past due. So by phoning your credit company, explaining why you were late, paying the past due and then requesting that the late payment status be removed will get rid of this late credit card payment being reported.
2Contact your creditor to remove the 90-120 day late payment from your credit history. A 90-120 day late payment can be much more difficult to remove since accounts that are this late are likely to be closed down through the creditor and written off. In addition, this type of late payment is on your credit report for the next seven years.
3Dispute the late credit card payment with each credit bureau. If you have made an effort on your end, such as paying any late payments, accrued fees and contacting creditors and there is still a late payment reflected, contact each credit bureau, Equifax, TransUnion and Experian, to dispute them.
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