# Disputes Won’t Remove an Accurate Late Payment – A Goodwill Letter Can

- Source: Money Crashers
- Published: 2026-10-18T18:00:00+00:00
- Category: Markets
- Original: https://www.moneycrashers.com/goodwill-letter-late-payment/
- Canonical: https://groundlevelnews.com/story/disputes-won-t-remove-an-accurate-late-payment-a-goodwill-letter-can-b4f12d/

The letter goes to the lender, never the credit bureaus. The bureaus can only fix errors, which is why disputing an accurate late payment won’t take it off. A dispute says an entry is wrong. A goodwill letter admits the... Source

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