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Unfortunately if a 30-day late payment hits a credit report, it typically will drop the score on an average of 60 to 110 points right away.Any payments which go anywhere between 31 days to 60 days late are considered a 60-day late and will compound the drop in score further.
A single 90 day late payment also factors heavily in your credit score and is about as damaging as a collection account, judgment, tax lien, and even a bankruptcy.