Letter to Dispute Late Payment on Credit Report

Have you ever been charged with a late payment on your credit report? If so, you know the frustration and worry that comes with it. A late payment can have a major impact on your credit score, and unfortunately, it can take months to repair the damage. But don’t give up hope just yet! Writing a letter to dispute the late payment is an effective way to get the issue resolved quickly. In this article, we’ll discuss how to craft an effective letter to dispute late payments on your credit report and provide tips for getting results.


[Your Name]
[City, State, Zip Code]

P.O. Box 9554
Allen, TX 75013-9554

To Whom It May Concern:

I am writing to dispute the late payment listing on my credit report for [Account Number]. I have never been late in making payments on this account and I believe this inaccurate information is negatively affecting my credit score.

I request that you immediately remove this inaccurate information from my credit report. I have enclosed copies of all relevant documents, such as bank statements and payment receipts, confirming that I did not make any late payments on this account.

Thank you for your prompt attention to this matter. If you have any questions or need additional information, please do not hesitate to contact me at [Your Phone Number].


[Your Name]

Overall, disputing a late payment on your credit report is a straightforward process. You can either contact the creditor directly or write a letter to the credit bureaus. It is important to provide as much evidence as possible in your dispute to support your case. If you are successful, the late payment will be removed from your credit report and it will no longer affect your score. This could help you secure better terms when applying for loans or other forms of credit in the future. Taking the time to dispute a late payment on your credit report can be well worth it in the long run.