Can You Remove Late Payments From Your Credit Report?

✅ Yes — Here’s How Dispute Goat Helps.

If you’ve fallen behind on a payment, that late mark could be dragging your credit score down — even if the account is now current. Fortunately, not all late payments are set in stone. Dispute Goat can help you challenge and remove late payments that are inaccurate, unverifiable, or outdated.

What Is a Late Payment?

A late payment is typically reported after you’re 30+ days past due. It stays on your credit for up to 7 years and impacts your payment history — which makes up 35% of your FICO score. Even one late payment can cause a significant drop, especially if your report is otherwise clean.

How Dispute Goat Can Help Remove It:

• ✅ Automatically suggests negative accounts that may be eligible for dispute
• ✅ Generates pre-written dispute letters with flexible reason options
• ✅ You can customize letters or choose from AI-recommended reasons
• ✅ Disputes can be sent to Experian, TransUnion, and Equifax

👉 Ready to remove late payments?

Start for less than $40/month.