I just woke up to a $35 delinquent payment on my credit report. How can I remove this blemish ASAP?

funny
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Go back to bed ..

likefunny

Standard 3 step process for trying to remove derogatory info from your report:

1) Contact the company that had the $35 delinquent payment and request that they delete the late payment notation if you pay it now (generally better via snail mail to executive office vs email/phone call)
2) If they say no, pay it anyways to keep it from becoming a collection
3) If attempt #1 doesn't work, as it likely won't, keep sending a letter every month requesting the deletion of the late payment notation as a matter of good will (Google goodwill deletion letter template)

If none of those steps work, the delinquency will remain on your report for ~7 years, though a 30 day late will stop majorly depressing your score after a year or so. The impact of that delinquency, assuming there are no others, will continue to lessen over the 7 years it stays on your report.

Note--all this communication needs to be with the creditor, not the credit reporting agency. The CRA won't do anything about deleting a delinquency before it's legally required to be excluded around the 7 year mark unless the creditor has them delete it.

likehelpful

Call the reporting company and make amends, they can clear it up

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Is it easy to get a hold of someone at the credit reporting agencies?

Just to be sure, are you talking about a fee in your credit report, or just a fee charged by your back because you didn't pay on time this month? If it's the latter, most danks don't report late payments until they're 30-60 days late. When it happened to me (missed a billing cycle payment) I just paid it in full and called the bank, they reversed it immediately

Yes I missed a payment cycle. I am also a customer with the bank and use their credit card which is where I was late. Somehow forgot. I have over 100k cash with the back too. So kind of annoying

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