Re: Never Be Late, Ever
10-29-2012 01:22 PM
Recent late payments affect your credit score more than aged late payments, up to about the 2 year mark. However, late payments remain on the credit report for 7 years with the account being reported as a negative account.
Even though my credit score is in the high 700s, I'm looking forward to June, 2015 when my only delinquent account is scheduled to go into positive status.
11/02/2012 Peak - EQ 790 (ScoreWatch FICO)
11/01/2013 Current - EQ 769 (ScoreWatch FICO)
GOAL - 800! - App free since 12/07/2013