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late payments

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late payments

how long do late payments stay on credit report?  I have some from 2005, when will they drop off?

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Epic Contributor

Re: late payments

Hi and welcome to the forums.


Each late will fall off 7 years from the date of occurence.  If you had lates in 05 they will come off in 2012.


Another option is to send a good will letter to the creditor and ask if they will remove them.  You can search on the forums for a sample.  Make it yours, grovel if need be.

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