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.