Specialties. 1  Knee Pain Quiz. 2  Do your knees ache from a sudden injury, or have your symptoms developed gradually? 3  Knee pain can occur at any age and may interfere with your everyday activities including housework, sports, shopping, or even getting up from a chair and walking.
You may have noticed on your credit report that late payments are listed by how late the payments are. Typically, creditors report late payments in one of these categories: 30-days late, 60-days late, 90-days late, 120-days late, 150-days late, or charge off (written off as a loss because of severe delinquency).
As noted above, a late payment remains on a credit file for seven years. The effect that late payment has on a FICO score, however, changes over time. The FICO formula considers the recency of a late payment. In other words, a late payment in the past six months will be more severe than a late payment five years ago.