topic Re: how long will 30 day late stay on my CR in General Credit Topics

how long will 30 day late stay on my CR

ezdoesit — Sat, 18 May 2013 14:44:51 GMT

I had multiple 30 day lates with Ford Motor Credit. Sept. 2006 - Feb. 2007 all consecutive. I accidentally missed a payment I didn't realize it so I continued to pay late based on my initial late payment. Question is when does those come off my report Sept. 2013 DOFD or Feb 2014.

When do multiple 30 days late fall off CR

ezdoesit — Sat, 18 May 2013 14:34:20 GMT

I have multiple 30 days late from Ford Motor credit from sept. 2006 - feb 2007. These 30 day lates were all consecutive somehow I missed a payment and keep paying without realizing that I was intially 30 days late. The question I have is when will these fall off in sept. 2013 dofd or feb 2014.

Re: When do multiple 30 days late fall off CR

Burned2manybridgesB4 — Sat, 18 May 2013 14:38:02 GMT

Seven years for each late event, from the individual month it happened.

Re: how long will 30 day late stay on my CR

pizzadude — Sat, 18 May 2013 14:53:52 GMT

Each late should drop from your reports 7 years from the time ( month / year ) they occurred. They may drop earlier than that.

Re: how long will 30 day late stay on my CR

Anonymous — Sat, 18 May 2013 15:04:58 GMT

Send a goodwill letter to Ford asking if they'll forgive them early. Ask for a goodwill adjustment, and if the first letter doesn't work, try again. If they won't budge at all, ask if they'd consider changing it to a single late that's the earliest date.

Re: how long will 30 day late stay on my CR

LS2982 — Sat, 18 May 2013 15:26:39 GMT

7 years from DoFD. I would also go with the GW route like mauve suggested. Good luck!!

Re: When do multiple 30 days late fall off CR

Scuba — Sat, 18 May 2013 15:43:09 GMT

They might even fall off one or two months early. I have a few Ford lates and the first one or two fell off a month early.

Re: When do multiple 30 days late fall off CR

Rhaeny — Sat, 18 May 2013 15:54:49 GMT

@ezdoesit wrote:
I have multiple 30 days late from Ford Motor credit from sept. 2006 - feb 2007. These 30 day lates were all consecutive somehow I missed a payment and keep paying without realizing that I was intially 30 days late. The question I have is when will these fall off in sept. 2013 dofd or feb 2014.

In laymans terms, each month Aug 2013 thru Jan 2014 the oldest one will fall off until they are all gone. That would be 7 years from the DOFD (date of first delinquency) for each item. However you may get lucky and they fall off early.

Re: how long will 30 day late stay on my CR

pizzadude — Sat, 18 May 2013 16:46:01 GMT

Moving to general credit topics...

Re: how long will 30 day late stay on my CR

Anonymous — Sat, 18 May 2013 18:44:35 GMT

@LS2982 wrote:
7 years from DoFD. I would also go with the GW route like mauve suggested. Good luck!!

Lates are removed 7 years from their occurence.

Re: how long will 30 day late stay on my CR

Anonymous — Sun, 19 May 2013 09:26:09 GMT

@ezdoesit wrote:
I had multiple 30 day lates with Ford Motor Credit. Sept. 2006 - Feb. 2007 all consecutive. I accidentally missed a payment I didn't realize it so I continued to pay late based on my initial late payment. Question is when does those come off my report Sept. 2013 DOFD or Feb 2014.

For Experian, pull a copy of your report from them directly.

Under status, it will write "By <Month> <Year>, this account is scheduled to go on a postive status."

That is the specific month / year when it will fall off.

The general rule is 7 years. I had a $2 late with Macy's and it's about to fall off this month. Time it took to fall off is about 6 years 9 months.