Frequent Contributor
Posts: 409
Registered: ‎02-06-2009
Re: Never Be Late, Ever

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.



05/28/2016 - EX 818 (Credit Scorecard EX FICO® Score 8, range 300-850)
05/20/2016 - TU 811 (Discover TU FICO® Score 8, range 300-850)
04/26/2016 - EQ 782 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 12/13/2015