Credit Boost Blog

Remove Late Payments From Your Credit Report With Methods That WORK

Remove late payments

A lot of people want to know the definitive methods for removing late payments and other derogatory information from their credit report. On this topic, I’ve got good news and bad news.

First, the good news.

You have the legal right to challenge anything that you feel is inaccurate, unfair or incorrect on your credit report. You may wonder why this is such a good thing. It’s because nobody can go inside your brain and say, he didn’t believe that was incorrect. No one can tell you that you don’t believe it’s incorrect, unfair or unduly on your credit report. Nobody. If you believe it, you have the right to challenge it. Moreover, the onus is on the creditor/credit bureaus to verify the information.

Therefore, you must know your legal rights. For more in depth information on protecting yourself and your credit report, research the FCRA, which was established in 1970 to protect consumers from creditors and credit bureaus putting inaccurate information on credit reports

One Missed Payment Has Devastating Effects

On a 750 credit score, one missed payment equals about 100 points.

  • One missed payment on a 750 credit score will bring you down to a 650 average
  • A missed payment on a 650 credit score will bring you down 75 points
  • One on a 600 credit score will move you down 50 points

On top of this, late payments stay on your credit report for seven years. It’s devastating. Every time you go to get a credit card, a loan, a car; every time you say, “I want to buy a house,” guess what happens? This late payment(s) will haunt you for seven years.

But does it have to?

What if you had the right letter and the right verbiage? What if I told you I have the proprietary letters that remove these late payments like clockwork? Would you be interested?

In Learning How To Remove Late Payments From Your Credit Report, You Must First Understand How a Late Payment Occurs

A late payment only happens at Day 31 and beyond. For example, you owe a credit card company, your payment is due on the 15th, but you miss that payment. You decide to make that payment on the 20th because that was your payday. Well guess what? That payment was not actually late. The creditor (i.e. the bank, which is the data reporter) will not report that information to the credit bureau until Day 31. Some of them will not report the data as late after 90 days, and some banks don’t report it at all. (My team has those names.)

The bank, as a credit reporter, has the right (because they are the ones that communicate with the credit bureaus) to say, “This person has not paid me in 31 days,” so it becomes late. But here’s the cool thing—while they have the ability to report the data, they also have the ability to not report it. Therefore, if you call a creditor or send a letter to the creditor and they say, “We don’t have the ability to do that…” it’s a lie. They do have the software to do it. That’s how they get it to the credit bureaus. The credit bureaus do not mark on your credit report. The creditor indicates to the credit bureaus what was late.

There Are Many Ways to Remove Late Payments. Here is the First, Main, Method

Send a goodwill/hardship letter. You will send this letter to the creditor (the bank), not the credit bureaus. This is because the creditor has 15 days to get it to the credit bureaus, which have 30 days to investigate. The creditor has to notify all three creditor bureaus. If you dispute the information and send a goodwill/hardship letter directly to the bureaus, yes, it is slightly shorter. But you have to duplicate the letter, meaning you have to send it to all three bureaus individually. The creditor takes care of that for you—they are legally responsible to forward your letter to all three credit bureaus. Therefore, the quicker and more effective process is to send your goodwill/hardship letter to the creditor, not the individual bureaus. Moreover, you’re going straight to the source. The person who put it on is the person who can take it off.

The Key to the Goodwill/Hardship/Letter is as Simple as Something You Should Have Learned as a Toddler – YOU MUST BE POLITE AND APOLOGIZE

A goodwill letter is basically saying:

“I’m asking for forgiveness because I just lost my job (for example), so I have been out of work for the last six months and I didn’t have the money to pay it. I’m deeply sorry and I apologize. It will never happen again. Please forgive me for this late payment (or two late payments, etc.) during this time in my life when it’s been very difficult for myself and my family.”

Remember, you are dealing with humans, not computers. So, you’ll want to call first, and then send a letter. Call first and explain what you’ve been going through and say, “I’m sorry. It will never happen again. Would you please remove it from my credit report?” Then, send your letter reiterating the same thing.

Here is a VERY Important Tip

As soon as the creditor states they are willing to remove the late payment, you need to make sure you get it in writing. Say to them, “Can you please put that in an email for me, or send me a letter in the mail?” Whether it’s an email or a hard copy letter, their response should say something like, “We’re forgiving you of your late payment(s).” (Depending on your case.) This way, you have proof and ammunition in case it doesn’t happen and the credit bureaus don’t remove it.

If this happens, you then contact the bureau(s) with your ammunition saying, “Hey, the creditor wrote me an email saying they were going to remove it and it hasn’t been removed. Here is the proof that they said they were going to remove it.” Then, the credit bureaus legally have to remove it.

If you get your report back from the credit bureau, and it says “verified” (which means they’re not going to remove it), and it does not say, “deleted” or “frivolous,” then guess what?

You Can Sue Them With a Lawsuit Letter

Now, a lot of times, especially these days, the bureaus don’t want to deal with lawsuits and litigation. Instead of having the headache of an arbitration, they remove it.

JUST REMEMBER (and you must trust me as I’ve helped thousands of people remove negative stuff off their credit report)the nicer you are on the phone and in the goodwill letter you send in, the greater your chances will be. You MUST be extremely nice and apologize. Ultimately, you are dealing a human and there’s a good chance they’re going through the same stuff you are! Every single human being on the earth has been dealing with a global pandemic

So that is your catalyst and strategy for your goodwill letters. This is the relatability factor that will get you RESULTS. I’ve been using this trick for the last six months and it works phenomenally.

Debt Collectors

First off, some banks do not sell their debt. Very few banks do this, but some banks hold their debt. Let’s say you have a late payment with Discover, for example. You’ve got a 30 day, 60 day, 90 day, 100 day, 120 day, 150 day or even a 180 day late. Banks can hold their debt for up to 6 months.

More often, a bank doesn’t want to deal with it, they write it off their books for pennies on a dollar. Some banks will send it as early as Day 31. For example, Discover says, “You maxed out your card at $1500 and now you haven’t paid me for four months. I want it off my books, so I’m going to sell the debt for 4 cents, or 10 cents, on the dollar to ABC Collection Company.” So, the debt has now gone to collections and the collection is placed on your credit report. That’s how a collection works.


Another term for a collection is “charge off” and this is a whole separate topic. The main tip here is—don’t ever pay a charge off company! I’ve got a video on my YouTube channel on this and it’s called “Don’t Pay Collections”. Check it out if you need to because if your debt gets to charge off status, there are ways around not making the payment.

If you can handle your late payment early enough before it goes to charge off, you’re in a much better position to get it taken care of. So handle it quickly. If you made a mistake and missed a payment, or you don’t believe it’s yours, or you’ve just been going through what everybody else in the world has been for the last seven months, then guess what? Use that as a catalyst and deal with humans to say:

“I made a mistake and I’m sorry. So I will be sending a letter in, asking you for forgiveness. This will never happen again. And I’m asking you to please remove it from the credit bureaus so I can move on my life and better my family. I would like to buy a house, get in my car, etc. and I do not want this to be on my credit report.

Remove Late Payments Using Proprietary Letters

I have 12 letterscovering everything from late payments, to charge offs, to collections, to repos, to judgments, to foreclosures, to victim identity theft. I’ve got the proprietary letters that you aren’t going to get from anybody else. No “cookie cutter, how to remove late payments on the internet, bullshit”. They don’t work. That’s why they’re free. So if you’re ready to invest and change your life for the better, because you want to better for yourself and your family, it’s your responsibility to change your financial future. You just have to pick up the phone and say, “Hey, you know what, Mike, I want help.” That’s it. How simple is that?

This is Why I Created "The Credit Game"

Initially, I didn’t create The Credit Game for you—I created it for me. I was at a 505 credit score and I figured out how to bring myself to an 827. At that point, I didn’t want to go backwards. It was then that I saw the opportunity of a lifetime—to help other people learn what mommy, daddy and schools never taught—the game of credit.

Think back about school. Did they ever teach credit? Did they teach it in middle school, high school or college?

Did mommy and daddy ever show how to manage everything, from credit card accounts, balances, utilization, etc? Nope.

So what did Uncle Mikey do? I said, “You know what? I’ll put a program together for myself, and if it goes well, I’ll offer it to the world. I want to change the national credit average so people can start living a better life.” And that’s exactly what I did.

Don't Hold Yourself Back

You guys are holding yourself back from living a better life because of these late payments and collections. Think about what it would be like not to have those on your credit report.

  • Imagine walking into a car dealership and getting any vehicle you want with the lowest down payment and the lowest interest rate.
  • Think about applying for a credit card and you get approved for a high limit credit card, not a bullshit $500 Capital One Platinum card.
  • Say you want to buy your first home, or an investment property, and NOT thinking, “Oh, I’ve got late payments. I’ve gone to collections. I can’t do that.”


Most people have become used to living with shit credit. They don’t change it because they’ve gotten used to it. They’ve become a “cash person”. Well, what happens when as soon as you get a paycheck and the government, who doesn’t even trust you, takes money right out of it? You spend what’s left, barely getting to the next week, and repeat the same thing over and over again.

Stop saying to yourself, I can’t do something and start saying, I will change something.

Learn The Credit Game

What if the change you need in your life is to learning The Credit Game? How about learning how to leverage credit, and how to use it to benefit you so you never have to go backwards again?

If this hadn’t worked for thousands of people who have gotten into The Game in the last 60 days alone, I wouldn’t be saying this to you—this is your golden ticket, your lottery ticket, you just need to cash it in.

A way to “cash it in” is to call me. If you call, I and my team will work with you.

We want to help. That’s the bottom line.

For me, I want you to share the program with you. And remember, once you have it, you can share with your family. You can use it for your friends and family, your mommy and daddy, your brother and sister. You can use it for your clients. It will be in your email, and once it’s there, you guys can use it for everybody. And guess what? This is the absolute game changer—you can even start a business based off of my program.

This is what The Credit Game is all about. Taking my passion and bringing it to others to raise the national credit average from 667, past 700, and change lives for the better.

Do you want in? Do you want the proprietary letters and the right stuff to change your life and live the life of your dreams?

I want to help you from the bottom of my heart. I just need you to call me and my team at 904-420-7772

Let’s start with getting the late payments removed from your credit report.

The Bad News...

You may be wondering if I was ever going to get to the bad news I mentioned in the beginning of this post…

While here it is—if your late payment is something from last month, most likely the creditor still holds the paper and it won’t be removed. If you just signed something last month and you missed the first payment, more than likely (unless it’s inaccurate or you were a victim of identity theft) it won’t be removed. So the downside is the newer the late payment, the harder it is to be removed. Late payments stay on your credit report for seven years.

Therefore, I always tell my members to put your payments on auto-debit. I surveyed over 50 people who have 800+ credit scores and this was the number one secret given. I asked, “How do you keep such a high credit score?” The one secret is they put their payments on auto-debit, which means you don’t have to worry about making the payment. You set it up by contacting the credit card company, the car company or whoever is owed the payment. Then, you don’t have to worry about making the payment manually. It is auto-debited from your account on time every month. I’ve maintained my credit score at over 800 for the last five years using this one main trick, so I know also know this is the number one secret.

Moreover, it’s one thing to get to an 800 credit score, but it’s another to maintain it without proper education for years to come. That’s the hard part. In The Credit Game I share the proprietary letters (the same ones that I used), that goodwill letter I talked about earlier, that work—time after time after time. This is the easiest way to remove late payments, charge offs, collections, off your credit report and it works.

I and my team will be waiting for your call:





More Posts

Send Us A Message

If you have a specific question, please complete this form and we will get back to you ASAP!