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.
Most negative information, such as collections, stay on your credit report for seven years, while positive information is kept longer. Collection accounts stay on the credit report for seven years from the original delinquency date of the original debt, or the date of the first missed payment after which the account was no longer brought current.