Balances and payments · Free practice
Late Payment Reported Incorrectly: Evidence Checklist
One useful skill to practice.
A late mark is checked with two records — the statement's due date and your payment's posting date. What to gather, and the second process to know.
Read the full guide on CheckDispute Guides (opens a new tab)Check what you know.
3 questions. No sign-up. Your answers stay in this page.
Which two records check whether a reported late payment is wrong?
Review all questions and explanations
- Which two records check whether a reported late payment is wrong?
Answer: The statement's due date and your payment's posting date
A late entry is an account-status item. The comparison is when payment was due versus when it posted — a month, a due date, and a posting date make a describable discrepancy.
- A payment posted two days after the due date, and the report shows the month late. What does that establish?
Answer: A fact about timing — whether it makes the reported entry inaccurate is for the reinvestigation to determine
The comparison produces an honest description of what happened, not a verdict. Deletion follows a finding that an item is inaccurate, incomplete or unverifiable.
- You want to dispute a fee on your card statement. Which process applies?
Answer: A Regulation Z billing-error notice — written, to the creditor's disclosed address, within 60 days of the first statement showing the error
Statement-level billing errors — including a payment not credited properly — run under 12 CFR 1026.13 with its own 60-day window and its own resolution clock. It is not a credit-report dispute.
Your take-away checklist
- Record the account as printed: creditor name, account number, report page and report date.
- Write down which month or months the report marks late.
- For each marked month, record the statement's due date.
- For each marked month, record the posting date on your payment record — confirmation, statement line or cancelled check.
- Check the report's own date fields — date of last payment, date of first delinquency — against your records.
- Note whether the problem started on a card statement; if so, record the statement date for the 60-day billing-error window.
- Write one sentence per disputed month: reported status, due date, posting date, the correction you want.
- Confirm copies go out and originals stay with you.
Read the source, keep the context.
Original questions and worked examples from CheckDispute, checked against the full guide and primary sources below. Use the explanations to understand what each record does and does not establish.
- consumerfinance.gov: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
- consumerfinance.gov: https://www.consumerfinance.gov/ask-cfpb/what-are-common-credit-report-errors-that-i-should-look-for-on-my-credit-report-en-313/
- consumerfinance.gov: https://www.consumerfinance.gov/ask-cfpb/if-i-dispute-a-debt-how-does-that-show-up-on-my-credit-report-en-1363/
- law.cornell.edu: https://www.law.cornell.edu/uscode/text/15/1681i
- ecfr.gov: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-B/section-1026.13
- ecfr.gov: https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43
General education, not personalized legal advice. You can dispute errors directly for free. A practice score does not predict a credit or dispute result.