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Negative remarks such as late payments on your credit report can cost serious money. There is nothing to be upset because, it is never too late to become credit worthy again. However, be reminded that credit repair especially removing a late payment is a long process. It requires serious dedication and perseverance to get a clean credit report. First find out the three credit bureaus are and what they are saying about you. Since creditors do not have to report to the three credit bureaus all together, they generally only report to one or some to which they are subscribed to. So, each report should be slightly different from one another. Order your credit report from each bureau to save money. The cost of the credit report is estimated to be around $9 but it might varies from state to state. You can request your employment company to provide you the name of the credit bureue if you have been denied of employment because of late payment in your credit report. You will be entitled for a free report if you get the letter from the employment company. Once you get a hold of your credit report, study it carefully. Since the credit bureaus create your credit report basing on the information they receive on your creditors, they are never verified. It is your job to maintain your credit report a good reflection of you.With this information, you can check history with your creditors and dispute the late payment record noted in the report. Get the argument form supplied with your credit report or a dispute letter and send the report to the bureau. If there is supporting documents, ensure it is included in your letter. After sending the documents and report, do not forget to keep copies of all the forms and the date you sent it. Normally, the bureau will investigate the dispute in the span of thirty days prior to receiving your letter. Late payment that is proven to be inaccurate is removed from the credit report. Mark Clayborne is a Certified Credit Consultant with ten years of experience assisting consumers with credit issues. If you liked this article, then please sign up to read the first chapter of Hidden Credit Repair Secrets and get a Free Restore your Credit E-class at http://www.hiddencreditrepairsecrets.com This article may be freely reprinted or distributed in its entirety in any Ezine, newsletter, blog, or website. The author’s name, bio and website links must remain intact and be included with every reproduction.Article Submitter by Article Marketing Robot MBT