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RichyRich2011

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How long do you keep missed payments on the report card?
My report card on credit karma shows that i still have 2 missed payments. However per my credit bureau it's been over a year since i have had any missed payments at all. My score seems to be staying the same for at least the past 6 mos even though i have significantly improved on my credit card utilization - now under 20%. And have now had no late payments in more than a year. What else can i do to make a difference in my credit score?

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7 years

Sorry to be the barrier of bad news but late payments will stay on your credit report for 7 years. Its strongest impact will be the first 2 years. I hope this helps!                                                                                                                                                                                                 

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