the 6 bodies of water surrounding the united states are....  (Pacific Ocean]...(Atlantic Ocean]...the(Arctic Ocean]... the Gulf  of mexico, Bering Sea, and Gulf of Alaska.
Like collection accounts, late payments can remain on your credit reports for up to seven years and also have a negative impact on your scores. But, also like collection accounts, they too have less impact as they get older. Itâs good to keep in mind that not all late payments are equal. A payment that is 30 or 60 days late isnât going to have as serious an effect on your credit score as a payment thatâs 90 days past due.
Last Updated: May 15, 2015. If you have a collection on your credit report, it is likely severely affecting your credit score. Even though debt collections will affect your credit less as they get older, the entries will remain on your credit report for seven years for future lenders to see. Pay debt in full and have it removed. 2  Most collectors want payment in full and will not delete the account from your credit report for a settlement payment. 3  If this is the case, offer to pay the account in full in exchange for the collector deleting the account from your credit report.