If you notice a delinquent account on your credit report that shouldn’t be there, you can dispute credit report errors by contacting the bureaus. You’ll also likely need to provide supporting documentation as to why the delinquent account should be removed, such as proof of payment or police reports associated with identity theft.
But if the delinquent account is correct as reported, you’ll have to wait for it to fall off your credit report, typically seven years after the date of delinquency. If you’ve paid the delinquent account in full, you may be able to write to the credit bureau and request a goodwill adjustment, but there’s no guarantee that this strategy will work.