Can I get a late credit card payment removed from my credit report?

No. Late payments reported accurately can’t be removed, by you or a credit repair company.

Late payment history may stay on your credit report for up to 7 years.

If you think the information is incorrect, you can file a credit report dispute.

We'll review it and respond within 30 days. If changes are needed, credit bureaus usually update your report in 1–2 billing cycles.