To negotiate with lenders to remove a late payment from your credit report, call them and ask to have it deleted.
The first person you talk to may not be able to help you, so you may need to escalate it to a supervisor or manager.
Try to negotiate a "pay-for-delete" deal, where you pay the debt in exchange for removing it from your report.
The pay-for-delete method is not guaranteed to work always, but it is worth a try with your lender.
Write a goodwill adjustment letter to explain your reasons and ask for the missed payment to be removed.
It is important to be polite and professional when negotiating with lenders. Ensure you negotiate skillfully.
Before you call or write to them, make sure you have all the documentation in place to support your case.
Ultimately, the lender has the final say in whether or not to remove the late payment from your credit report.
To avoid such problems, it is best to make all your payments on time. Automate payments so you don't miss them.