MONEY · CREDIT
Dispute errors, or ask for a goodwill removal
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ENTRY 01 · CREDIT
HOW LONG IT STAYS
Late payments can stay up to seven years, the CFPB says. The hit fades over time.
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ENTRY 02 · CREDIT
CHECK ALL 3 REPORTS
Get weekly reports at AnnualCreditReport.com. Note the month and how late.
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ENTRY 03 · CREDIT
DISPUTE ERRORS
Bureaus generally must investigate within 30 days. Attach your proof.
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ENTRY 04 · CREDIT
ASK NICELY
Accurate late? A short, honest letter may get a one-time removal.
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ENTRY 05 · CREDIT
STOP THE NEXT ONE
Set autopay for the minimum and pay within 30 days if you slip.
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FINAL ENTRY
The full guide: dispute steps, a sample goodwill letter and scam warnings.
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Photo: Shixart1985 / CC BY 2.0. Facts checked against official sources. Not financial or legal advice.