Payment impact estimator
Estimate how a 30, 60 or 90-day late payment could affect a score like yours, and how long it stays on your report.
Payments are generally reported late once they’re 30+ days past due. A payment a few days late usually means a fee, not a credit report mark.
Estimated drop−51–77New band: Fair
Estimated score after643–669
Stays on your reportUp to 7 years
The impact fades over time, especially after the first two years, as long as new payments are on time.
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BuffYourCredit ranks every move by estimated impact and tracks your progress monthly.
Build my free planEducational estimate based on what you enter. Not a credit score, a lending decision or financial advice.