In family therapy, each person can express his or her fears and concerns. It's important to be honest about your feelings and to listen to others. You can talk about your PTSD symptoms and what triggers them. You also can discuss the important parts of your treatment and recovery.
Whether itâs a late car payment, credit card payment, or mortgage payment, a recent late payment can cause as much as a 90-110 point drop on your FICO score. As time goes on, the late payment will affect your credit score less and less until it drops off. However, potential creditors can still see that history as long as itâs listed on your report. Late payments appear on your credit report as either being 30, 60, 90, or 120-plus days late. Each of these degrees of delinquency affects your credit score differently. The later you are, the more damage it does to your credit score.
Your payment history is about 35 percent of that rating. One late payment won't destroy your score if your other payments are up to date, but you want to remove that record to keep your score as high as possible. How quickly you move will help you get rid of a late payment record. Most lenders won't report a mortgage payment as late until it is 30 days past due. In other words, if your payment was due June 1 and you didn't send it in until June 15, you probably have time to contact your lender and explain the situation.