cancel
Showing results for 
Search instead for 
Did you mean: 

how long will 30 day late stay on my CR

tag
enharu
Super Contributor

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


@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.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 11 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.