What is the effect on your credit of being 30 days late on one payment?

Expect to see an approx. 50 point drop in your FICO score for one new 30 day late reported to the credit bureaus. This will dilute itself by about 50% per year after the initial reporting (after one year, it will hurt your score by about 25 points, after 2 years by about 13, etc.). Hope this has been of a help! I just had a new 30 day late pop up because I paid off a credit card, then some new charges "popped up" a few days later. Darn. Anyway, my score dropped from 761 to 702 on Experian and from 679 to 641 on Transunion. No data yet on Equifax, sorry. Good luck!