[dEaF TO LiGhT]

Is it bad to dispute a late payment, or any other negative information on your credit report, more than once?

My credit is pretty good, but I have about 2 30-day late payments from last year, and I think about 2 more 30-day lates from the year before, all from my wells fargo credit card. About a month ago, I called Wells Fargo and asked them if they can get rid of it, since I have been up to date ever since. I tried to tell them I had been moving (i was in college at the time, so moved between places a lot between the academic year and the summer). I got a letter back from them a week or two later saying the information they reported was correct. I wanted to try to dispute it again, this time directly to the credit reporting agencies, just to see if it can come off this time. I figure I'll just write "I dispute these late payments."

Can I do that, or am I risking damaging my credit by trying to dispute something again?

[jlynn]

The only risk to your credit would be if you knew you were late at times that they didn't report, and they added them in the interest of accuracy; or the creditor FUBARRED and reported wrong information...it happens.

[aleo1203]

I don't think it hurts. I had a collection on my report which I negotiated with the original creditor to absolve me off. But it was never reflected in the credit report. I had to make multiple disputes, finally had it removed.