<prompt> Human: Hi,trying to keep my girlfriend responsible with credit, however she missed a payment for the first time. I was wondering if there is any way to have this removed from a credit report? or are we out of luck? i know i was able to get an account that was sent to collections removed from my report but i dont know if you can do that with a missed payment.thanks  <response>: Whats the point of a credit report if its not accurate? 