How Long Does a Delinquent Phone Bill Remain on a Credit Report?

by Michael Keenan
A delinquent phone bill hurts your credit score.

Though you might not think of it a debt, a delinquent phone bill can harm your credit score. However, like most other debt, it won't stay on your credit report forever. Instead, your ate payment says on your credit report for seven years. After that, it falls off your report and no longer affects your credit score.

Decreasing Significance

Though the delinquent bill stays on your credit report for seven years, the impact it has on your credit score goes down over time. For example, if you missed your payment last month, that will have a bigger negative impact on your credit score than if you missed the payment six years ago.

About the Author

Mark Kennan is a writer based in the Kansas City area, specializing in personal finance and business topics. He has been writing since 2009 and has been published by "Quicken," "TurboTax," and "The Motley Fool."

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