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what's up youtube this is jermaine the credit queen welcome to my youtube channel please don't forget to hit that subscribe button thumbs up drop some comment drop a comment drop some knowledge whatever that's how we do it here right hey so hey welcome to my uh my channel i'm gonna talk i want to talk do this video on um on uh how long it takes i mean how long does a late payment like a typical 30 day late payment you know impact your fico score i did another video previous video on on late payments so if you get an opportunity please check that out too but this right here is kind of like i'm just adding on to it because now i mean we know that negative information such as late payments or anything any negative information can remain on the credit report for up to seven years we got that but does that mean that the late payment will have all late payments have the impact for the whole entire seven years that's what i want to do this video on and kind of give you guys like an idea like how what fico's you know how fico sees it or even vanish score which is like credit card score smart credit and all the like a lot of third-party reports or reseller reports um even reseller reports that you know they use vanish school as well so i wanted to kind of that's what i want to do this video on so um i want to jump straight into it first i want to just go over um the fact of the matter that i want to shut it straight from equifax so you know as far as late payments all right in the credit repair world like i know there's a lot of people like put emphasis on deletions like they think like as long as the item is negative it's supposed to be deleted you know that's not how i go okay the law says if it's inaccurate incomplete or unverified they have options okay so just because a credit won't delete a late payment that you were actually late on you know um that doesn't mean that they violating the fair credit pulling out okay but that doesn't mean that you know the person that's working on your credit don't know what they're doing or whatever um accurate is accurate and that's all to it but when does a late payment get reported there's two different there's there's two different types of late payment and i went over this same one in my previous video so i'm gonna um stress it again there's late payments for like internally like with the creditor then there's late payment for credit reporting the creditor can um furnish that information to the bureau to report right because remember creditors don't report anything um so what's the difference between the two well so when you're...