@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.
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