How to Remove a 30-Day Late Payment Incurred During Covid-19 Pandemic

Yorlene Cintra
Sep 5, 2023
4 min read

The Covid-19 pandemic has had a tremendous impact on all aspects of life, and the one area that’s been especially hard hit is credit. If you’re looking for how to remove late payments during Covid-19 then I have just what might be the perfect solution: proven strategies with guaranteed success to

improve your credit score!

Prior to when we realized there would even bean outbreak in 2020 many people were fortunate enough not only to live through their financial constraints but also maintain excellent credit scores due to both patience and discipline – meaning they could easily qualify again once things settle down from establishing themselves financially post-crisis (or prepping now if one plans ahead).

That said, there is hope on the horizon for those who have been impacted. Read on to see how to remove late payments during Covid-19.

Can a 30-60 day late payment be deleted that was incurred during the pandemic?

The answer is yes. A late payment can be deleted if it was incurred during the pandemic. Although there are multiple avenues to pursue in this situation, Congress has not helped by leaving it up to lenders to decide on who gets a late charge and who doesn’t – especially since those with older unpaid debts will have been dealt with before now by other means such as collections agencies or bankruptcies filed without their knowledge (which is known these days). If you suffered a hit to your credit score as a result of the pandemic, there are options for how to remove late payments during Covid19, as well as charge offs, or reposessions.

Removing late payments during Covid-19 if you’re able to make all the past due payments?

If you’re currently able to make all payments and are financially stable, but just had a missed payment or two, then here’s what you need to do:

STEP 1: Call and Speak to the Creditor and ask to remove late payments during Covid-19

Call the lender, request that they remove the late payment due to Covid-19 from your credit report. State it was incurred due to the coronavirus outbreak and you’re able to make the past payment today.

Stress if your state or city had a ‘shelter in place,’ at the time of the missed payment. Mention if you were quarantining yourself due to Covid-19 symptoms. Also provide proof if you were traveling and stuck abroad due to border closures, or incurred loss of income due to health issues resulting from Covid-19.

Be sure that the phone representative is clear about you wanting the “late payment removed,’ which should not be confused with “getting the late payment fee reversed.” Now you can also suggest they backdate a payment deferment for you so that there was no payment due the prior month.

If they don’t agree to remove the late payment or give you a back-dated deferment to remove the late payment then make your payment. This will at least keep more lates from coming on and move to the next step.

STEP 2: Engage the creditor’s ‘executive resolutions’ or ‘office of the CEO’

Most lenders have such a high-level customer resolutions department, which goes by different names, depending on the lender. Capital One has an executive resolutions department and so does Chase, Bank of America, Amex, and virtually every major lender.

Just do a google search to either find the phone # for this department or Google for the email address.

If all else fails, simply find out the headquarters address of the lender. Send it overnight and with a signature required, addressed to the CEO. Include your phone # and email, and chances are very high that you’ll get a response back.

STEP 3: File a CFPB complaint against the creditor

I’ve found this to be a highly effective strategy over the years. Consumer Financial Protection Bureau (CFPB) is a government agency whose purpose is to protect consumer rights in the financial sector. Their website www.consumerfinance.gov, has an online complaint portal, where you can simply have to do two things, state what happened and what resolution you seek. Once you file this complaint, the CFPB forwards the complaint to the creditor. The creditor is required to respond back in about 15 days with a resolution.

STEP 4: Hiring a Professional to Help: how to pick the right credit repair company

Unfortunately, after running a credit repair company www.yorlenecreditservices.com for over 20 years I have seen that the industry is riddled with unscrupulous businesses who prey on consumers. In fact, even some of the most successful companies in this field

(Lexington Law & Creditrepair.com) were sued by our government’s consumer protection agency

So how do you pick the right credit repair firm? There are 3 things to look into.

The first is to check their

Yelp page for reviews and read through them. Most other review sites, like Google reviews, make it easy for anyone to leave a review. Yelp, on the other hand, is very intelligent in filtering fake reviews. Back in the day, the BBB used to be a credible source. Unfortunately, businesses that pay them may be listed with higher priority.