how long does a credit inquiry take to show up
However, there are a few rules regarding the reporting of negative information. For example, a late payment cannot be reported on a credit report unless it is at least 31 days late. After that time, it usually shows up on the credit report within the usual 30 days. Creditors usually do not charge off a debt and turn it over to a collection agency until 180 continuous days of non-payment have passed, so you may have at least six months before a collection or charge off shows up on your credit report.