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.

Latest Articles

Late Payments Not Deleted After Account Paid Off

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Do Companies Report a Late Payment If It’s Only a Few Days Late?

Learn more about how late payments can potentially affect your credit report.

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Day Late Payment Likely Won’t Show on Credit Report

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Account Showing 90 Days Late

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Authorized User on Delinquent Credit Card

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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.