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Late Payment

Late payments appear as negative information on your credit report and are one of the most important factors in determining your credit score.

How Will a Late Payment Affect Your Credit Score

Creditors view your payment history as an important indicator of how you manage credit. Payments that are made a few days late rarely appear on credit reports. Payments that are made 30 or more days late, or not paid at all, raise red flags to creditors that you may be a credit risk.

If you have a late payment on your credit report, the best thing you can do is to bring the account current.

How Long Do Late Payments Stay on Your Credit Report

A late payment will remain on your credit report for seven years, and then will be deleted automatically.

Recent Late Payments Hurt Credit Scores the Most

December 4, 2013

Dear Experian, Why has my credit score dropped 42 points? There is a late payment on one of my cards which has since been brought current, and four of my...

Late Payments on Credit Report after Declaring Bankruptcy

September 12, 2013

Dear Experian, How can I get late payments removed for items that were included in bankruptcy? - NPN

Day Late Payment Likely Won’t Show on Credit Report

August 20, 2013

Dear Experian, I mailed one payment late because I forgot about it, and when I remembered it was one day late. How bad will that look? - XOB

Account Showing 90 Days Late

August 15, 2012

Account reported for first time shows it is 90 days late Dear Experian, In what instance does a credit profile reflect a 90 day late when it never reflected a 30...

Unpaid Doctor Bills on Credit Report

June 6, 2012

Dear Experian, I am seeing that each time I go to the doctor and I do not pay those bills on time, the bill ends up on my credit report....

How Long Late Payments Stay on Credit Report

April 11, 2012

Dear Experian, How long does a negative payment status of "Paid, Past due 30 days" remain on my credit report? The item in question occurred in March 2006, while I...

Late Payments Not Deleted After Account Paid Off

March 14, 2012

Dear Experian, I have paid off an account that previously had a late payment mark on my record. Is there any possible way to remove the negative mark on my...