how to get late payments off credit report
One of the easiest ways to get a late payment entry removed from your credit report is to request your creditor (s) for a goodwill adjustment. You need to write a letter explaining your inability to make payment and requesting them to remove negative entries from your credit report.
A: Consumers are often concerned about how late payments and other negative information, like bankruptcies and judgments, will impact their credit history and score. In general, negative information that is more than seven years old from the date of last activity will be removed from your credit report.