Erase Late Payments with Secret Credit Dispute Tactics
Step-by-Step Guide to Disputing Late Payments
- Gather Your Credit Reports: Start by obtaining your credit reports from Equifax, Experian, and TransUnion. You can get a free copy once a year at AnnualCreditReport.com3.
- Identify Errors: Carefully review each report for any inaccuracies, particularly focusing on late payments.
- File a Dispute: Contact the credit bureau that reported the error. Most bureaus allow you to file disputes online, by mail, or by phone.
- Provide Documentation: Include any supporting documents that prove the payment was made on time or that there is an error.
- Follow Up: The credit bureau has 30 days to investigate your dispute. Follow up if you do not receive a response within this timeframe.