It’s not permanent. Late payments stay on your credit report for up to 7 years, but they have very little effect after a year or two (assuming it’s a one-time thing). There are also ways to get late payments removed from a credit report, especially if you pay the bill as as soon as possible after realizing it’s late.
It’s not permanent. Late payments stay on your credit report for up to 7 years, but they have very little effect after a year or two (assuming it’s a one-time thing). There are also ways to get late payments removed from a credit report, especially if you pay the bill as as soon as possible after realizing it’s late.
https://www.creditkarma.com/credit-cards/i/how-long-do-late-payments-stay-on-credit-report
I agree that anyone using a credit card should have autopay enabled though.