How long does a late payment affect your credit score?

Credit and mortgage advice Forums Consumer Credit Improve Credit How long does a late payment affect your credit score?

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    • #389012
      Anonymous
      Inactive

      My capitol credit card was pass due for 120 + days and I finally got it up to date yesterday. I realize that the late payment will stay there for 7 years but if I continue to make payments on time and pay it off ever month and only use a third of it how long will it take for my credit score to get back get decent? My score is currently 497 ( I know it’s terrible)



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