How long does it take before a late payment stops impacting my credit score?
Late payments will stay in your record for seven years. You can dispute a late payment report that you believe is in error, however you will need to provide proof, such as documentation that you did make the payment in question on time. If the information is accurate, however, you'll have to wait the full seven years before it clears.
Start enhancing your credit today.
With CBNA Credit CompanionSM, you can view your VantageScore® and Experian® credit report—for free! It includes access to tools like debt analysis, score simulators and credit education, which can help you build positive credit habits that support a healthy credit score.
To enroll, log in to your online or mobile banking account, look for CBNA Credit CompanionSM, and follow the instructions to sign up.
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Don’t have an online banking account yet? Enroll today.
The credit score provided is based on the VantageScore 3.0 model using data from Experian®. There are various types of credit scores, and lenders may use a different type of credit score to assess your creditworthiness.
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