<prompt> Human: My fiancee thought she made her last car payment. Unbeknownst to her she accidentally paid 1 less than the final balance. She let it go 30 days past due and received a late fee. It is now paid off. It is now showing up on her credit report just about the time we are trying to refinance our house. Her creditkarma score plummeted 45 points.Is there anyway to get this 1 late balance removed from her credit report?  <response>: Id call the auto lender, get a human on the phone, and appeal to their sympathies. As silly as it is, it sounds like it was legitimately a late payment and theyve already been paid, so they dont really have any incentive to go out of their way, but its such an obvious mistake and one thats potentially easy to make if you screw up your payoff amountpayment date at the end of a loan they may be able to delete it for you. You could dispute the report through the credit bureaus, but if its not an erroneous report I dont know how likely it is that would help. And those solutions could take time to work. Your best bet may be to just talk to one of the underwriters at the lender where youre refinancing the mortgage and explain the situation to them. Again, if you can appeal to an actual human instead of an algorithm, they may sympathise and be able to work with you. 