Credit Card Center Advertiser Disclosure

Valued Member
Posts: 30
Registered: ‎06-11-2009
0 Kudos

how long do late payments affect credit score?

I had a 30 day late payment on a credit card Feb. 2011.  The account was paid in full next month.  CRA still show the 30 day late from 2/11.  How long does this late payment negatively affect my credit score.  It shows as potentially negative still.


Should I try to DV or GW for account deletion from CRA?  I would like to see this account go away

New Member
Posts: 8
Registered: ‎05-19-2010
0 Kudos

Re: how long do late payments affect credit score?

I could be wrong, but I believe 7 years at the earliest.  I just saw on my CR that a negative late pmt of 30 days was just removed and the account was opened in 2002 (it was likely closed in 2004 or so, can't remember).  I would suggest writing a GW letter to the creditor as I have been told they work.  I will be doing the same for all of mine.  Hope this somewhat helps.

Established Contributor
Posts: 731
Registered: ‎08-12-2011
0 Kudos

Re: how long do late payments affect credit score?

Late payments hurt your score less and less as they age. I do not know old lates have to be before they negatively affect scores less. It seems like the last two years of payment history is very important. It could be that once that late payment is over two years old, it will hurt much less than one as recent as '11.


I for one have a loan with 120 lates that I then paid off in a 1.5 years. This loan will perpetually show lates in the last two payment years history for this loan. I constantly wonder if this makes any difference or not. Do they age off the same? None the less, they will stay visible in that payment history.


Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: how long do late payments affect credit score?

30 and 60 day lates are minor derogs that will impact your CR drastically when they are recent.  However they do diminish over time,  they lose a lot of their luster after just 2 years.   90 and above are considered major derogs and will diminish some over time but will still have a significant impact over the CRTP.   Each derog of an account thas not been CO'd or put in Collections will remain for 7 years of their respective dates.   Hope that clears it up a little.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.