Have you recently viewed your credit report online and noticed that you had a 90 day late payment? If so, you are probably wondering how a 90 day late payment both affects your credit score and how to remove a 90 day late from your credit report.

First of all, credit repair is not easy. Restoring your credit score after a 90 day late payment takes commitment or yourself, and of your personal budget. An "easy button" doesn’t exist for credit repair or improving your credit restoration; however, there are some steps you can take to return your credit score to a respectable level.

First, contact the company for which you have a 90 day late payment with. If your credit obligation has gone to a credit collection agency; work with that agency. The collection agency now owns your 90 day late payment, and you are responsible for paying that collection agency back. There is really no way to get away from paying your bills, you will have to pay one way or another. Unless some sort of error has been made with your 90 day late payment.

If some sort of error on your credit report or FICO score has been made, you may be able to get away with not paying your bills of a 90 day late. However, this is a rare circumstance. To learn more about what you can do in the case there is a error on your 90 day late payment or credit report in general, take action. Take the 7-day free credit repair course. You will learn the credit repair secrets to remove 90 day late payments from your credit report in a legitimate manner.

Once you contact your collection agency or creditor; work out a payment plan on that late payment. The credit agency or collections may be willing to reduce the amount of your payment or total obligation amount.

If you have not had a chance to look at your credit report online yet, you can do so using the information below. Repairing your credit does not have to be difficult; however, credit repair does take a effort.