Late Payments On Credit Report

[tiacoco]

Hi can anyone help me I've been paying my mortgage on the 25th of each month when it is due on the 18th my stupid mistake got dates wrong.i now have 7 late payments on report because of this I thought you had to be 30 days late before this went on report this has now had a big effect on my score I have mortgage statements showing it getting paid each month but on wrong date by a few days Any advice please

[douglas9401]

https://www.experian.co.uk/consumer/guides/late-payments.html

[barry1010]

Has the mortgage added extra interest or penalties to your account? If so, have you paid it off in full? You could write to the lender and ask for a goodwill adjustment to your credit report, asking them to remove the late payments from your report. It will help your case enormously if you offer to pay by direct debit on the 10th of each month so that payment is guaranteed before the 18th. The mortgage company isn't obliged to cooperate but it won't hurt to ask.