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?
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.