How Long Do Late Payments Stay On Your Credit Report

How long late payments report to your credit

Get My Free, 15-Minute Consultation! ➔
122 people signed up to FIX their
credit (in the last 60 minutes)!
122 people signed up to FIX their
credit (in the last 60 minutes)!
how long do late payments stay on your credit report

Payments more than 30 days late will reflect on your credit report for seven years. But don't worry, they don’t hurt your credit score for that long. 30 day lates hurt for one year, 60 day lates hurt for three years, and lates over 90 days hurt for seven years.


How long do late payments affect credit score

30 day late payments will affect your credit score up to one year. 60 day lates will affect your score for three years, and 90 day (or more) lates will affect your score for seven years. At 120 days, many creditors "charge off" the debt and sell it to collections.

Get Your Late Payments Professionally Removed

In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.

If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (833) 623-0326 or setup a consultation with them. They also happen to have incredible customer service.

Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.

Why choose Credit Glory?

Competitor 1
Competitor 2
Price
$99/m (+ small, one-time $199 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Start Fixing Your Credit, Today!

Call and start your credit repair process, today! Don't let inaccurate items on your credit report hold you back.