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30 60 80 120 days late fico affect info need

Established Member

30 60 80 120 days late fico affect info need

I understand that 30 days late will affect you the most in the ast 2 years it was reported. 

But what is the case with 60 90 120 plus days late. 

Can someone give me a breakdown?

4 REPLIES
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Frequent Contributor

Re: 30 60 80 120 days late fico affect info need

I think 60 days for 2 years the rest are major derogatory from what I understand.
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Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
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Valued Contributor

Re: 30 60 80 120 days late fico affect info need

Lates beyond 60 will affect you until you have them removed / they fall off your credit report.

Established Member

Re: 30 60 80 120 days late fico affect info need

So 30 - 60 day late 2 years.

 

60 and above the full 7 years?

 

Epic Contributor

Re: 30 60 80 120 days late fico affect info need


wallywonka wrote:

So 30 - 60 day late 2 years.

 

60 and above the full 7 years?

 


Basically, yes.  YMMV also.  The higher your score, even a single 30 day late that is old can affect your score just like a 90+ will for those with less than stellar credit and many lates and/or major derogatories.