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.
Actually, collection accounts may be reported for seven years +180 days from the date you first fell behind with the original creditor (the original date of delinquency). If the creditor is reporting the debt is a charge-off, then that charge-off can be reported for seven years from the date it was charged-off.ere is what many debt collection agencies are doing, they will take an old debt that has long expired after the 7 or 10 year mark and then change the original date of debt and place it back on your credit report.