Established Member
Posts: 10
Registered: ‎03-24-2013

Late payments

How long does it take for late payments to stop affecting credit score I have a few 30 day and 1 60 day late with capital one 9 months ago are they still affecting my score thanks
Posts: 22,406
Registered: ‎01-17-2008

Re: Late payments

A single 30 day late usually loses much of its inital impact around 6 months but after about a year it has faded.  60 day lates are about the same maybe a little longer.


They are both minor derogatories.

Frequent Contributor
Posts: 345
Registered: ‎02-27-2013

Re: Late payments

It also depends thickness of file. I got gap to remove a 30 day late 1 month old 35 point jump even though have another account 3 30 day & 1 60 day. I hoping to goodwill 130 & 1 60 once I get that account reopened at 6 months well see. They can still hurt until 2 years.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720

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