CHECKDISPUTE | FREE PRACTICE CHECKLIST
Late Payment Reported Incorrectly: Evidence Checklist

1. Record the account as printed: creditor name, account number, report page and report date.
2. Write down which month or months the report marks late.
3. For each marked month, record the statement's due date.
4. For each marked month, record the posting date on your payment record — confirmation, statement line or cancelled check.
5. Check the report's own date fields — date of last payment, date of first delinquency — against your records.
6. Note whether the problem started on a card statement; if so, record the statement date for the 60-day billing-error window.
7. Write one sentence per disputed month: reported status, due date, posting date, the correction you want.
8. Confirm copies go out and originals stay with you.

Practice: https://checkdispute.com/learn/practice/article-12/
Full guide: https://checkdispute-guides.blogspot.com/2026/09/late-payment-reported-incorrectly.html
Sources checked: 2026-09-20

General education, not personalized legal advice. No credit or dispute outcome is promised. Disputing errors directly is free.