Can you remove late payments from your credit? YES you can!

Services for Real Estate Pros with Cambridge Credit Consultants

It is possible to remove late payments from your credit report, one process is called re-aging.  The re-aging process can remove late payments from your credit report which will help raise your credit score. 

   Erase bad creditYes, you can erase bad debt.

So what is re-aging? Most people, even a self-proclaimed “Credit Expert”, is unaware of the positive aspects of re-aging an account.  You will find hundreds of articles on negative re-aging.  The FCRA is clear that a charge-off can only be reported in a credit history for 7 ½ years from the date of the first delinquency.  As accounts are transferred from one collection agency to another they may report a more recent delinquency date.  This illegally extends the time period in which the charge-off or collection is included in a credit history.  This is a violation of the FCRA and is illegal.

Positive re-aging helps you.  Re-aging your account means the creditor will clear all late payments from a debt once there is an agreement between all parties.  If a creditor approves, they will begin to report the account as being current rather than delinquent.  Any late payments will be removed from the credit report, and your credit history will appear to be positive again.

This will only happen at your request. If you have an account with an isolated late payment, it might be worth asking the creditor to consider re-aging the account. You do not necessarily have to be late at the time of the agreement.

If you are delinquent and want to re-age your account there are some requirements the creditor will have.  First, you have to prove the means to make regular repayments, as well as what you are behind (arrearage).   The law requires an account to be 9 months old but we have seen accounts that are only five months old receive courtesy removals.  If your account is currently delinquent you will have to make three consecutive timely payments.

The creditor is not obligated to re-age your debt, so you may want to consider hiring a Credit Expert to help you with this.  There is a down side to re-aging, if you have a “limited” credit file and the account you are re-aging is older, you could wind up lowering your score by removing some of the older history from your credit file.  Re-aging your credit can reduce the length of credit history and that is a key component in your credit score.   

Most people are not aware of their rights when it comes to credit and credit reporting. As a Credit Expert we want to help empower people.  When used legally and proactively, Credit Repair process can help make late payments disappear and help consumers raise their credit scores legally and ethically.



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Ron Marshall
Marshall Enterprises - Saint Michael, MN
Birdhouse Builder Extraordinaire

This quite interesting, and I wondered how credit counselors were able to get people's credit restored so quickly.  Thanks.

Oct 19, 2011 09:44 AM #1
Kymberly Caldwell-Muniz
(909) 973-0410 - Fontana, CA
TCR Group Keller Williams Realty Rancho Cucamonga

Hello Martin, this is a great post. I did not know that this was allowable. Is this the same thing as a re-score? Thanks for sharing.

Oct 19, 2011 09:57 AM #2
Martin Mills
Cambridge Credit Consultants - Grand Rapids, MI

No, this is different than a rescore.  This is taking a delinquent account and turning it positive.  One of the many ways we help people restore their credit

Oct 19, 2011 10:17 AM #3
Royal Goodman
Royalty Home Solutions,inc. - Madera, CA
Royalty Home Solutions

Thanks for your insight into this. It really helps. Royal...

Oct 11, 2016 04:25 AM #4
Dave Halpern
Keller Williams Realty Louisville East (502) 664-7827 - Louisville, KY
Louisville Short Sale Expert

Many potential home buyers are 3 to 6 months away from repairing their credit and qualifying for a home. They need a good credit repair company, a patient mortgage broker, and a caring Realtor who will guide them through the process.


Sep 04, 2017 06:01 AM #5

I just had a past due collections appear on my credit report from 5 years ago. I knew nothing about it. I called the credit collections company and paid the debt. I I called the collections company and they said “no” that’s up to credit bureau. I just called Transunion again and they said it was no longer on report. Experian won’t answer their phone so went online, all effort to correct this was proven abortive and i need to do this fast for me to qualify for a house mortgage. Few weeks ago I came across this credit coach who many had recommended how he had helped them with their credit score. I contact him via his gmail (computer.surgeon@ outlook. com) and asked if he could help me. He answer boldly ‘YES’ and explain to me in details the whole process. I give him a try to my greatest surprise he did an amazing job. My score has boost to maximum and all 3 items were removed.

Mar 14, 2019 05:11 PM #6
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