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When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores.


Repossession hurts your credit score. In fact, it’s one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they’re reported to the credit bureaus. Then, the repossession itself will be listed in the public records section of your credit report.


A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook. Even though your account is charged off and the creditor reports it as a loss, you’re still responsible for paying back the debt. And the charge-off can remain on your credit reports for up to seven years from the date your first missed payment was reported.

Late Payments

Regardless of the reason, there are several consequences to making late payments, including:
* Late payment fees.
* Interest added to the delinquent payment.
* Possible termination of service or default of loan.
* The late payment showing up on a credit report.
Payments that are less than 30 days late often do not show up on someone’s credit report, unless they occur frequently. When they do show up, they can remain on that person’s credit report for up to seven years, after which they fall off automatically.

Credit Inquiries 

Hard inquiries can be harmful to a borrower’s credit score. Each hard inquiry usually causes a small credit score decrease for a borrower. Hard inquiries remain on one’s credit report for two years. Generally, a high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender.

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