M-F 9:30a-6:30p
    Mesa Group Consulting
    Join
    Credit term

    Delinquency

    A delinquency is a missed or late payment, usually reported once you are 30 or more days past due.

    How it shows up on your credit report

    30 DAYS LATE60 DAYS LATEPAST DUE

    Delinquencies are grouped by how late they are — 30, 60, 90, or 120+ days. Payment history is about 35% of your score, so even one late payment can matter. Getting and staying current is the fix.

    Not sure how this affects your score? We'll walk through your report with you.

    Mesa Group Consulting helps Bakersfield and Kern County families read their credit reports and dispute what is wrong, in English, Spanish, and Punjabi.

    Book a free consultation How credit restoration works

    Related terms

    Derogatory mark

    A derogatory mark is a serious negative item on your report, like a late payment, charge-off, or collection.

    FICO Score

    A FICO Score is the most widely used credit score, ranging from 300 to 850.

    Back to the full glossary