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    <title>topic When are late payments removed from my credit report? in Understanding FICO® Scoring</title>
    <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/When-are-late-payments-removed-from-my-credit-report/m-p/189672#M17861</link>
    <description>&lt;DIV&gt;When I was in college I had a late payment on a retail store card (it was 60 days late).&amp;nbsp; That was almost 10 years ago.&amp;nbsp; Will this ever be removed from my credit report since it was so long ago?&amp;nbsp; Also, is it still impacting my credit score?&amp;nbsp; Any advice would be appreciated.&lt;/DIV&gt;</description>
    <pubDate>Tue, 25 Mar 2008 14:15:45 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2008-03-25T14:15:45Z</dc:date>
    <item>
      <title>When are late payments removed from my credit report?</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/When-are-late-payments-removed-from-my-credit-report/m-p/189672#M17861</link>
      <description>&lt;DIV&gt;When I was in college I had a late payment on a retail store card (it was 60 days late).&amp;nbsp; That was almost 10 years ago.&amp;nbsp; Will this ever be removed from my credit report since it was so long ago?&amp;nbsp; Also, is it still impacting my credit score?&amp;nbsp; Any advice would be appreciated.&lt;/DIV&gt;</description>
      <pubDate>Tue, 25 Mar 2008 14:15:45 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/When-are-late-payments-removed-from-my-credit-report/m-p/189672#M17861</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-03-25T14:15:45Z</dc:date>
    </item>
    <item>
      <title>Re: When are late payments removed from my credit report?</title>
      <link>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/When-are-late-payments-removed-from-my-credit-report/m-p/189684#M17862</link>
      <description>&lt;DIV&gt;It should go away 7 to 7.5 years from the date of first delinquincy&lt;/DIV&gt;</description>
      <pubDate>Tue, 25 Mar 2008 14:21:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/When-are-late-payments-removed-from-my-credit-report/m-p/189684#M17862</guid>
      <dc:creator>MidnightVoice</dc:creator>
      <dc:date>2008-03-25T14:21:18Z</dc:date>
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