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.
In general, a collection account will remain on your credit report for up to seven years plus 180 days from the date the account first became past due. The countdown to the account falling off your credit report begins 180 days after the start of the delinquency that led to the collection.fter some period of negative behavior on one of your credit accounts, such as delinquent payments or a charge-off, your debt may be sold to an outside collection agency. If this happens, itâs to your benefit to pay off the collection, thereby satisfying your commitment.