You can expect to pay up to $15.95, depending on the credit bureau and the state where you live. Some states, such as Colorado, California, Georgia and Maine, allow you to get an additional report for free or at a reduced price. 2. Pore over the report for errors large and small.
http://www.creditcards.com/credit-card-news/10-surefire-steps-to-get-errors-off-credit_reports.php
However, if your due date is July 1, 2015 but you pay August 3, 2015, the credit card company can report the account to the credit bureaus as a 30-day late. If you are repairing your credit, correcting and even deleting late payments will help improve your credit scores.
http://rebuildcreditscores.com/how_to_dispute_late_payments/
Late payments are detrimental to your credit score. A single 30-day late payment can lower a FICO score up to 110 points. FICO considers how recent the late payments are, how severe the late payments are, and how frequently the late payments occur.
http://rebuildcreditscores.com/how_to_dispute_late_payments/
1. Request a fresh report directly from the credit bureaus. Before you do anything else, order a fresh report from the credit reporting agency, -- or agencies -- that are reporting the inaccurate information. You'll need this report to send in your next dispute and to keep on hand in case you later need to sue.
http://www.creditcards.com/credit-card-news/10-surefire-steps-to-get-errors-off-credit_reports.php
By law, negative information should drop off your report after seven years. A bankruptcy may remain on your report for up to 10 years. If you see a debt that's real on your report, but is older than seven years, you can dispute the debt to the credit bureaus and demand that it's removed.
http://www.creditcards.com/credit-card-news/five-mistakes-people-make-when-disputing-credit_report_errors-1270.php
How to dispute late payments with the creditor. Goodwill Letter. Infrequent, rare late payments can be deleted by the original creditor. Write a goodwill letter and request the creditor remove the late payment.
http://rebuildcreditscores.com/how_to_dispute_late_payments/
See related: A guide to your rights under the Fair Credit Reporting Act. If you've already spent the past several months -- or even years -- trying to scrub errors from your credit reports, it may feel like you have no choice but to live with the inaccurate marks. Don't give up.
http://www.creditcards.com/credit-card-news/10-surefire-steps-to-get-errors-off-credit_reports.php
In the event the account is more than 180-days late, the creditor may charge off the account, report it to credit bureaus as a charge off and transfer or sell it to a collection agency. Proof of Payment. A creditor may agree to delete a late payment if you have proof of a timely payment such as a canceled check.
http://rebuildcreditscores.com/how_to_dispute_late_payments/
Mail your dispute to the credit bureaus -- and to the data furnisher. If you know which lender, collection agency or other type of data furnisher (the ones giving out your information) is misreporting your credit history, send them the same information that you sent the credit bureau, say experts.
http://www.creditcards.com/credit-card-news/10-surefire-steps-to-get-errors-off-credit_reports.php
Dispute the late pays with the credit reporting agencies. If the dispute is verified, try again in 60 days until you get the result you want. Isolated late payments. If a creditor is using FICO 8 version of credit scoring then an isolated late payment will not be as detrimental to your score under certain conditions.
http://rebuildcreditscores.com/how_to_dispute_late_payments/
how to dispute late items on your credit
A creditor may agree to delete a late payment if you have proof of a timely payment such as a canceled check. To dispute late items on your credit, a creditor may agree to delete a late payment if you have proof of a timely payment such as a canceled check.