Late payments can have a negative impact on your credit report. It is marked as delinquent if you have missed often.
Missed payments can stay on your credit report for up to seven years from the date of the first delinquent payment.
If you find an incorrect or old late payment on your report, you can file a dispute with the credit bureaus on the error.
However, if the late payment is accurate, it cannot be removed from your credit report by the credit-reporting agency.
There are some companies that offer to remove accurately reported late payments and other negative information.
They may claim to be able to remove them from your credit reports, but these methods are probably a scam.
The only way a late payment can be removed from your credit report is if it was reported in error by the lender.
That means that you made the payment on time, but it was inaccurately reported to the credit bureau as late.
The best solution is to pay your balance before your due date and automate payments to avoid missing them.