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Late payments can keep on your credit report for up to seven years. As long as these delinquencies are on your report, they've the potential to break your credit score score—especially at first. Recent late payments might have a extreme unfavorable impact on your credit score. The licensed person methodology is one other method to make use of a bank card to build credit history. This method doesn’t contain you opening a new bank card your self. Rather, you ask a trusted person in your li