What Length Of Time Do Late Payments Stay on Your Credit Reports?
Late settlements can be reported for as long as 7 years from when the delinquency occurred. Let’s say you missed a bank card payment several years ago and you still use that credit card. You also make your payments promptly after that previous late payment. As soon as the late payment is seven years of ages, the delinquency normally can not be included in the history of that account on your credit record.
Pro-tip: If you miss out on a payment by accident, call your provider to see if it might keep from reporting it to the credit bureaus and/or forgo the late charge. Numerous credit card companies will agree to do so if your payment history was outstanding up till the misstep.
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