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.
Creditors can report late payments to the credit bureaus, which stay on the report for up to seven years after the late payment occurs. Your credit report will also show the length of the delinquency, usually by listing the late payments as 30 days, 60 days or 90 days past due.hile a single instance of a late payment may not do too much damage to your credit rating, it can trigger concern in other creditors which can raise your interest rates. Keep an eye on your payment due dates, and keep in touch with your creditors if you need to delay a payment.