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Worse, late payment may cause you to forfeit some or all of the rewards you've accumulated. By the time your account is 180 days late, i.e. you've missed six payments, the card issuer will typically charge-off the account, writing it off as a loss. The charge-off goes on your credit report and stays for seven years.
Once the debt it paid it stays with you for seven years. It usually takes about 1 to 2 months. Major credit card companies tend to report every month to the credit reporting agencies, but other companies do not report as regularly. Try consumer credit counseling. They are a non profit organization that helps to organize your credit problems.