How to remove late payments from your credit report – Times of India

by The Technical Blogs

Maintaining a good credit history is crucial for your credit score, and part of that involves consistently making timely payments. However, sometimes even the most responsible individual can inadvertently miss a payment. Here we will discuss what happens when you find a late payment on your credit report, and how can you rectify it?

Impact of late payments on your credit score

Late payments can linger on your credit report for months.While they can negatively affect your credit score during this period, it’s important to note that their impact tends to diminish over time if you maintain a responsible credit behaviour.

Can you remove late payments from your credit report?

If a late payment was reported erroneously in your credit report, you can request the concerned credit rating agency for the removal of late payment. This happens when you made the payment on time, but it was inaccurately labeled as late when reported to a credit bureau. To address this issue, it’s essential to understand the process of disputing inaccurate information on your credit report.

Steps to dispute inaccurate late payments

  • Identify the error: Carefully review your credit report to identify any inaccuracies, specifically focusing on late payment entries.
  • Gather evidence: Collect evidence that proves you made the payment on time. This could include bank statements, receipts, or any other relevant documentation.
  • Contact the credit bureau: The credit bureau responsible for the inaccurate report should be contacted. In India, major credit bureaus include CIBIL, Experian, and Equifax. File a dispute with the bureau providing detailed information about the error and attaching the supporting evidence.
  • Multiple disputes (if necessary): If the same error appears on credit reports from all major credit bureaus, be prepared to file separate disputes with each of them.
  • Investigation process: Once you file a dispute, the credit bureau will initiate an investigation into the matter. This involves verifying the information with the creditor.
  • Resolution: If the investigation confirms that the late payment was reported in error, the credit bureau will rectify the mistake by removing the entry from your credit report.


Understanding how to address and rectify inaccurate information, such as late payments, on your credit report is crucial for maintaining a healthy credit profile. By following the appropriate steps to dispute errors, you can ensure that your credit report accurately reflects your financial responsibility. Remember that vigilance and prompt action are key when it comes to managing and rectifying credit report discrepancies.

Frequently Asked Questions (FAQs)

Can you remove a late payment from a credit report?
An actual late payment is nearly impossible to remove from your credit report. Removal is only possible if the reported late payment is inaccurate – if you made a timely payment but it was wrongly recorded as late.
What’s the process for disputing inaccurate late payments?
If you spot a wrongly reported late payment, file a dispute with the credit bureau responsible. If the error appears on reports from all three major credit bureaus, you may need to file separate disputes with each.
What happens during a dispute?
After filing a dispute, an investigation will take place. If the late payment was inaccurately reported, it will be removed from the credit report.
Can late payments be forgiven or overlooked?
No, late payments, once accurately reported, usually stay on the credit report. However, establishing a pattern of timely payments over time can help mitigate their impact on credit scores.

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