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Original lenders and creditors show payment default on your credit reports for 7.5 years. When you first miss payments to a creditor or lender, you will see lat pays show up in 30 day blocks of time on your credit.
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7 days ago · Think about it this way — if you pay your credit card off and leave it open, you have an untapped credit line that helps the "amounts you owe" category. On the other hand, if you close the.