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When will late payments drop off?

Is it the date of when it first went into arrears or from the date when it came out of arrears?
Basically all my debt will be paid off in the next 6 months so no worries of getting a further CCJ, I understand that the defaults will drop off after 6 years (the last one drops off December 2025, not ideal but can't be helped) but will the late payments/delinquency (not defaults) be taken from when I get up to date or from the point of when they went into being arrears? I.E I couldn't make payments in the back end of last year so it's recorded from July 2019, so will that drop off in July 2025 or from when it will be paid in full around June 2020. 

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Late payments will drop off 6 years from when they were put on.
  • Late payments will drop off 6 years from when they were put on.
    From the first one or last one in a row of them?
  • ejc81
    ejc81 Posts: 225 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    ssgs said:
     I.E I couldn't make payments in the back end of last year so it's recorded from July 2019, so will that drop off in July 2025 or from when it will be paid in full around June 2020. 
    6 years from the date of last late payment marker. So 2025 from what you've said. Late payments are different to defaults though, and lenders don't tend to take them into account after 3 years in my experience.
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    ssgs said
    From the first one or last one in a row of them?
    From each one.
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