This mantra will destroy the enemy from its roots, so that you don t have any obstacle in your life, let it be career path or love affairs or any property related queries.
However, there are a few rules regarding the reporting of negative information. For example, a late payment cannot be reported on a credit report unless it is at least 31 days late. After that time, it usually shows up on the credit report within the usual 30 days.
Short answer: In order for a late payment to show up on your credit report, the lender or creditor must report the account as being past due. In your case, the creditor is Macy's. Once it has been reported, a late payment can stay on your credit reports for up to seven years.