To remove a late payment reporting on your credit report, you can try the following steps:
Check for errors: Review your credit report and ensure that the late payment is accurate. If you find any errors, contact the credit bureau and dispute the information.
Reach out to the creditor: Contact the creditor who reported the late payment to your credit bureau. Explain the situation and ask if they are willing to remove the late payment from your credit report as a goodwill gesture.
Pay off the debt: If the late payment was the result of a past-due balance, paying off the debt in full may prompt the creditor to remove the late payment from your credit report.
Wait it out: Late payments can only stay on your credit report for 7 years. So, if you are unable to remove the late payment, the best option might be to wait for the 7 years to pass and it will fall off automatically.
It's important to note that these steps may not guarantee that the late payment will be removed from your credit report, but it's worth a try.