Does this mean that if one payment was made late each year for five years, that when the first one reaches 7 years, the count will drop to 4 late payments?Yup. Say you made 5 late payments: 1995, 1996, 1997, 1998, 1999. The 1995 will drop off this year, then you have 4 left, the 1996 will drop off in 2003 (and you have 3 left), etc.Jennifer
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