No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
How long does it take before" 30 days late" on CR are removed. Wells fargo was the company?
7 years
After 2 years it will be a decreasing important factor and if you beg and have a good otherwise relationship with WF you might be able to get them removed through good will - don't count on that though.