how to delete late payments from credit report
GW letter to creditor. Helpful to 6 out of 8 people. Hi, you can send a letter asking for a Good will removal of the late payment from your credit file. If the late payment was only 60 days late, it should have been gone from your file a long time ago. If you get no satifactory answer from the creditor. Send a letter to one of the credit agencies, reporting the information as inaqurate, then, by law, they will have to investigate, which will force the creditor to either confirm or deny the dispute. This might get that late payment removed from your file.