Service
Late Payment Review
Verify reported late payments against your own records and statements.
What the review involves
- Building a timeline of reported late payments per account
- Comparing that timeline against your statements and bank records
- Flagging months reported late that your records show as paid on time
What information is examined
- Payment-history grids across all three bureaus
- Reported dates versus your proof of payment
- Accounts reporting different histories at different bureaus
What you receive
- A month-by-month view of what each bureau reports
- A list of discrepancies supported by your own documentation
- Guidance on assembling proof for the items you pursue
What happens afterward
Discrepancies backed by documentation are raised with the furnisher and bureau, and outcomes are recorded in your portal.
What this service is not
Creditxora cannot remove accurate, current and verifiable information from a credit report, and does not guarantee any specific score change, deletion or approval. You also have the right to dispute inaccurate information with the credit bureaus yourself, at no cost.Ready to see what's actually on your reports?
Complete the assessment and a Creditxora specialist will review your request and contact you regarding the next appropriate steps.
No obligation. Your information is kept confidential and is never sold.