cancel
Showing results for 
Search instead for 
Did you mean: 

Will removed late payments reappear, after additional dispute?

coolandcalm
Contributor

Will removed late payments reappear, after additional dispute?

About a year ago I disputed about 6 late payments that weren't supposed to be reported by my lender during Covid. They were consecutive March - August.

 

They removed 5 of the lates and left one reporting in the middle of the period, (May). They did this across all the credit bureaus.

 

I'd like to dispute again and try and have the remaining month removed.

 

I'm afraid that this will result in them reapplying the ones they've already removed, then having to start the process over again.

 

Has anyone ever been in a similar situation? Had negative information reapplied after a dispute?

 

Message 1 of 4
3 REPLIES 3
FireMedic1
Community Leader
Mega Contributor

Re: Will removed late payments reappear, after additional dispute?

As we say. Dont poke the bear. If its a lonely 30 day late. After 2 yrs its lost most of its ding to your score. Let sleeping dogs lie.


Homeowner Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my recovery after BK from learning here. Started 540's. EX FICO 9 801 as of 05/03/2023. I stayed around to pay it forward for those who helped me back then.
Message 2 of 4
Priory_Man
Valued Contributor

Re: Will removed late payments reappear, after additional dispute?


@FireMedic1 wrote:

As we say. Dont poke the bear. If its a lonely 30 day late. After 2 yrs its lost most of its ding to your score. Let sleeping dogs lie.


Sound advice from a wise person. 







Message 3 of 4
MeredithLepore
New Contributor

Re: Will removed late payments reappear, after additional dispute?

It is probably not worth your time and energy, given that it's one late payment from 3 years ago. I would let it be and work on boosting your credit in other ways.

Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.