Rapid Rescore.com

Template

Dispute letter for a late payment reported in error

Use this when an account shows a late payment you believe you made on time or that was reported incorrectly.

When to use this template

  • You have proof of an on-time payment.
  • A payment was made but credited late through no fault of yours.
  • The late date or severity (30/60/90 days) is wrong.

Sample letter

Replace everything in [brackets], and send one letter to each bureau that shows the error.

[Your full name]
[Your street address]
[City, State ZIP]
[Date]

[Credit bureau name]
[Bureau dispute address]

Re: Dispute of inaccurate information on my credit report

To whom it may concern:

I am writing under the Fair Credit Reporting Act (15 U.S.C. § 1681i) to dispute inaccurate information on my credit report.

Item in dispute: [Creditor name] — account ending [xxxx], late payment reported for [month/year]

Why it is inaccurate: The late payment reported for [month/year] is inaccurate. I made the payment on [date], as shown in the enclosed records.

What I am asking: Please investigate with the furnisher and correct or remove the late payment notation if it cannot be verified.

Please send me the results of your investigation in writing, along with an updated copy of my credit report.

Sincerely,
[Signature]
[Your printed name]

Enclosures:
- Bank or card statements showing the payment date
- Payment confirmation or receipt
- The relevant account statement

Skip the typing

Rapid Rescore writes this letter for each bureau from the accounts you choose, attaches your ID and proof of address, and lets you print and mail it free — or mail it for you first-class or certified with tracking.

Create my letters free

What to enclose

  • Bank or card statements showing the payment date
  • Payment confirmation or receipt
  • The relevant account statement

Send copies, never originals.

Tips

  • Highlight the payment on your statement so it's easy to find.
  • You can also ask the creditor directly for a goodwill adjustment if the late payment is accurate.
  • Send it by a method that proves delivery. See certified mail vs first-class and where to send it.

More templates

General educational information and a generic template, not legal advice. A dispute can't remove accurate information, and Rapid Rescore does not guarantee any result. Last reviewed: October 2026.

FAQs

Common questions

Can't find what you're looking for? Talk to us directly.

A dispute can't remove accurate information. You can ask the creditor for a goodwill adjustment, but they aren't required to agree.

Free to start. No card. Takes 5 minutes.

Create your account and generate your first dispute letter today — optional mailing and notarization are there if you want them.

Start FreeHow It Works
Sign Up