Document background
A Letter to Credit Bureau to Remove Late Payment is a crucial document used when a consumer needs to dispute or request the removal of a late payment record from their credit report. This document type is specifically designed to comply with U.S. federal regulations, particularly the Fair Credit Reporting Act (FCRA) and Fair Credit Billing Act (FCBA). It can be used either to dispute an inaccurately reported late payment or to make a goodwill request for removal of a legitimate late payment. The letter must include specific identifying information, account details, and the basis for the removal request. Supporting documentation may be attached to strengthen the case. This document is particularly important as late payments can significantly impact a consumer's credit score and remain on a credit report for up to seven years under U.S. law.
