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ejm14

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how long does it take for missed payments to drop off your credit report

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It can stay on your credit report for 7 years but as time goes on each late payment will have a smaller impact on your score. Tends to really impact you for about 2 years. How many missed payments are we talking about here?

You could try a goodwill adjustment letter to the lender. Writing the creditor explaining why you were late and asking that they forgive the late paymen(s) and adjust your credit report accordingly...write the letter...don't type it. The personal touch goes a long way..

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