If you are wondering how to remove late payments from credit report, the first step is to review your credit reports and verify that the late payment information is accurate. If you find an error, you can dispute the information with the credit reporting agency and the company that reported it, providing supporting documentation when available. For accurate late payments, removal is generally more difficult, but you may contact the creditor to ask whether it offers a goodwill adjustment or another solution. Making future payments on time and keeping accounts in good standing can also help improve your credit history over time. Be cautious of companies that promise to remove accurate negative information for a fee, as accurate information generally cannot simply be erased.