Whenever you make a late payment note that it will impact your credit scores negatively. This will lower your credit score thus making it difficult to get new credit cards, get a loan or enjoy lower interest rates on future loans. There are few ways by which you can get late payments removed from your credit report.
Raise a Dispute When You Find an Error
It's not surprising when one finds an error in their credit report. Sometimes it so happens that you might have paid the payment on time but it shows quite the opposite. In such cases all you need to do is show proof that the payment was received on time by the lenders and you ask them to remove this error from your report. When sending a letter, dispatch it using a registered post, so that you have a record of sending it.
Pen a Goodwill Letter
You can pen a goodwill letter for your creditor requesting them to remove the late payment from your credit report. This letter can bear your genuine financial problems, life crisis and other unfortunate circumstances which happened in the past. When you are considering sending this letter, your account must be better than before. Use courteous language to try to get a positive result.