If you made late payments due to medical reasons can that be removed from your credit score?

Yes, it is possible to have late payments removed from your credit score if they were due to medical reasons. Here's how you can go about it:

1. Obtain Medical Documentation:

Gather medical records, doctor's notes, and any other documentation that supports your medical condition and its impact on your ability to make timely payments.

2. Contact Your Creditors:

Reach out to the lenders or creditors to whom you made late payments. Explain your situation and provide them with copies of your medical documentation. Request that they update your account and remove the late payments due to medical reasons.

3. Dispute with Credit Bureaus:

If the creditors do not respond or refuse to remove the late payments, you can file a dispute with the three major credit bureaus: Equifax, Experian, and TransUnion. Include copies of your medical documentation and a statement explaining the situation.

4. Follow Up Regularly:

Monitor the progress of your dispute and follow up with the credit bureaus if necessary. Ensure that the late payments have been accurately removed from your credit score.

5. Consider a Goodwill Adjustment:

In some cases, creditors may be willing to make a "goodwill adjustment" to your account and remove the late payments if you make a request and demonstrate hardship due to medical reasons.

6. Contact a Credit Counseling Agency:

If you need help with the process or are unsure how to proceed, you can contact a reputable credit counseling agency. They can provide guidance and assistance in dealing with creditors and credit bureaus.

Remember, the process of removing late payments due to medical reasons can vary, and it may take time for the credit bureaus to update your credit report. Be patient and persistent in your efforts to have the inaccuracies removed.