Delinquencies are reported to credit reporting agencies. But just because it appears on your history doesn't mean that it's impossible to remove it from your credit report. Submit a report either online or in writing to the credit bureau disputing the delinquency. You should also contact the lender to see what can be done, especially if you had a good reason for allowing the account to go into delinquency status. You may have to offer to pay the account balance to have it deleted from your credit report.