One recent late payment on a single account can lower a score by 15 to 40 points, and miss one payment cycle for all accounts in the same month can cause a score to tank by 150 points or more.
A single 90-day late payment also factors heavily in your credit score and is about as damaging as a collection account, judgment, tax lien, and even a bankruptcy.
Consecutive late payments are even more harmful to your score, as each subsequent late payment is weighted more heavily.
Lexington Law helps you with this. Lexington Law has helped our clients in the removal of 1,008,738 inaccurate, untimely, misleading, or unverifiable (questionable) late payments from clients' credit reports in 2014 alone. Lexington Law's Concord level services help you challenge questionable late payments by providing credit bureau and creditor interventions.
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