How long do missed payments stay on a credit report?

Detailed Explanation

For years rather than months, though the exact period is set by the credit reporting rules of the country you are in and is not something a lender can shorten on request. Two things are generally true regardless. The impact fades before the record disappears — a late payment from four years ago weighs less than one from four months ago. And accurate negative information cannot be removed by paying a third party to dispute it. What you can do is check the report for errors, dispute the ones you find with evidence, and let consistent on-time payments dilute the older marks.