how long does it take for a late fee to fall off your credit report
However, if you skipped an entire cycle -- meaning that technically you were 30 days late -- the company most likely would have reported that fact to the three credit bureaus (Experian, Equifax and TransUnion). The first ding would appear on your credit reports for seven years from the date it initially showed up. Had you gotten back on track the following month and then paid perfectly from that point forward, no big deal. Many people forget about a bill occasionally. But it doesn't seem that the problem ended there.