Can I get late payments removed from my credit report?

Unless they made a mistake – for example, incorrectly reporting an on-time payment as late – most creditors won’t strike a late or missed payment off your credit reports.

Do goodwill adjustment letters work?

It depends on the creditor. Some creditors even include the rules to remove a missed or late payment on their website. Some creditors may not agree to remove a late or missed payment. At most, they may encourage you to build your credit and maintain a healthy credit history moving forward.