How do I try to remove a 30 day late payment

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redatcccc

Joined: 24 Mar 2009
redatcccc's page
Posts: 1

28 Magic Points

Subject: How do I try to remove a 30 day late payment

Tue Mar 24, 2009 12:05 pm

I switched from a PO Box to a street address a little while back and have received some bills at a passed due date. It has come to my attention that a 30 day late payment is showing on my credit score. Is there anything I can do to try and remove this black mark on my credit rating. Thank You

LT

Joined: 30 Jan 2009
LT's page
Posts: 57

2242 Magic Points

Wed Mar 25, 2009 2:49 am

You can write the company explaining you are aware you missed a payment and would they grant your request to remove that missed payment. This works if you havn't been late before.

anthony

anthony

Joined: 31 Jul 2006
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Posts: 516

13571 Magic Points

Wed Mar 25, 2009 5:05 am

HI Redatt
Yes, a 30 day or a 60 day late payment can be easily removed from your credit report if you can negotiate with the creditor and pay off the outstanding amount along with the late fees. A late mark generally stays on your credit report for two years from the date you make your account current and may lower your credit score.
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Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.

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