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.
Report Abuse. Any adverse things on your credit, such as collections & repo's by law can stay on for as many as 10 years. 7 years is the average for things like backruptcy, collections and charge offs. However, once these things do drop off the damage goes with. As these old debts go away, up goes your credit score.