In contrast, easy-to-apply encoders are a suitable component for all but the most punishing applications, and they output inherently digital signals, better accuracy (typically 0.1 to 35 arc-min.), and speed ranges of better than 100,000:1.
June 04, 2013 April 12, 2016. Derogatory marks are negative records on your credit report that can damage your credit and generally stay on your credit report for seven years or more. They may sound scary, but don't bury your head in the sand. If you have a derogatory mark listed on your credit report, learn more about how these marks work below.
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. After that they must be removed in accordance with the Fair Credit Reporting Act, or FCRA. Derogatory entries can do a lot of damage to your FICO credit score.