Quartermoon Posted April 5, 2008 Report Share Posted April 5, 2008 I searched but could not locate a resource here that I saw in the past that answers questions such as how long can a 30 day late remain on your CR?Thanks for any steering. Link to comment Share on other sites More sharing options...
willingtocope Posted April 5, 2008 Report Share Posted April 5, 2008 7-1/2 years...just like any other "negative" information. Link to comment Share on other sites More sharing options...
Moriah4 Posted April 5, 2008 Report Share Posted April 5, 2008 I believe 7 years. It affects your score less after 2.Good payment history and a GW letter may get it removed before that time.BlessingsMoriah Link to comment Share on other sites More sharing options...
Ahntara Posted April 6, 2008 Report Share Posted April 6, 2008 FCRA 1681c, Subsection 605 Link to comment Share on other sites More sharing options...
Quartermoon Posted April 10, 2008 Author Report Share Posted April 10, 2008 Thanks everyone. I have not been late on anything in nearly 3.5 years.I tried the GW letter... but it's providian.. and I had an over draft protection account iwth the bank I worked for. When they laid off people, my unemployment did not kick in that month and it tried to pull from my bank account and there wasn't any funds in the account. Both are four years old.*sigh* that's the only mark in a long time.Thanks.. trying to boost my score for a refi Link to comment Share on other sites More sharing options...
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