FICO-911
The Ultimate Solution to ALL Derogatory Credit History
Late Payment History
How long does late payment history remain on a credit report?
Late payments will remain on a credit report for 7 years from the date the late payment was reported to the bureaus.
How seriously does late payment history affect a credit score?
Severely! Late payments, especially those in the last 6 months, account for about 35% of a FICO score.
Can you permanently delete late payments?
Yes. We can permanently delete your late payment history so long as the account is not currently delinquent. If you are currently past due on your payments, they will need to be caught up on before our work can be done. Once we've completed our work the account will show a perfect payment history.
How long does it take to remove late payments?
We can remove late payments in an average of 5-7 business days. See our "Timing" section on our Overview page.
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