remove wrong late payment 4

https://ace-wiki.win/index.php/How_to_Dispute_Inaccurate_Credit_Information_and_Protect_Your_Score

If you see a late payment on your credit report that's actually a mistake, you can ask the credit bureau to investigate and remove it. Just gather any proof like bank statements or confirmation emails showing the payment was made on time. Then write a short dispute letter explaining the error and attach your evidence. Once they verify your claim, they'll correct the record and that wrong late payment disappears.