Please note we are a third party vendor for credit reports, we are not a credit bureau. Please contact us asking for credit reports on yourself. On regular credit lines requiring periodic payment, such as department store cards, auto loans, mortgages, and credit cards, a late payment is recorded when payment is received after the due-date grace period. If there is any history of late payment or non-payment, the entry will generally be considered negative. Deliberate non-payment of all your accounts with an unknown change of address is the worst.
Bankruptcy is next.
Then comes varying degrees of a late-payment history. When an account is referred to collections because of delinquency or because of a bad check, this appears on the credit report as a collection account. Collection accounts can appear as paid or unpaid accounts. Any type of collection account, whether paid or not, is considered very negative by all credit grantors. Court records are included in credit reports when they are negative.