Remove Late Payments from Your Credit Report

Payment history is 35% of your credit score — the single biggest factor. A late payment reported in error, a payment that was actually on time, a late mark during a forbearance or deferment, or a late from an account that was never yours can all be removed. Pioneer Credit Solution disputes inaccurate late payments and requests goodwill deletions for Southern California residents so your payment history reflects what really happened.

• Restore a 'good' or 'very good' score fast
• Qualify for the best mortgage and auto rates
• Get approved for premium credit cards
• Clean history for FHA and VA lending

Remove Late Payments FAQs

Can a late payment be removed from my credit report in Southern California?

Yes, if it is inaccurate, unverifiable, or the creditor agrees to a goodwill deletion. Late payments during COVID-era forbearance, on accounts that were transferred, or reported with the wrong date are commonly removed.

How long does a late payment stay on my credit report?

Seven years from the date of the missed payment. Its impact fades over time, but removing it is the only way to stop it from being scored.

What is a goodwill deletion letter?

A request to the creditor to remove an accurate but isolated late payment as a courtesy, based on your long relationship and otherwise on-time history. We write and follow up on these for our clients.

How many points will I gain if a late payment is removed?

A recent 30-day late on a strong file can cost 60 to 110 points; a 90-day late even more. Removing recent lates produces some of the largest score jumps we see.

Will paying the account current remove the late mark?

No. Bringing the account current stops further damage, but the late mark stays for seven years unless it is disputed or deleted. That is where we come in.