How 90 Days Late Can Hurt Your Credit

If your credit is 90 days late, it will damage your credit scores significantly for up to seven years.

Remember, the goal of the scoring model is to predict whether or not you will pay 90 days late or later on any credit responsibilities. If you have already done so you’re considered more likely to do it again compared to someone who has never been 90 days late. Because of this, your credit scores will fall.