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

Source: Money Crashers · Oct 18, 2026 18:00 UTC

An oil tanker ship in the Houston Ship Channel — File photo roger4336 / Flickr · CC BY-SA 2.0 · Source

The Quick Take

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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