The PC speaker is normally meant to reproduce a square wave via only 2 levels of output (the speaker is driven by only two voltage levels, typically 0 V and 5 V).
For example, if your payments for March and July 2010 were each one month late, the report may continue to show (for seven years from the date after each payment was due) that you were 30 days late twice in 2010, even though the tradeline for that account also shows your payments for the rest of 2010 were made on time.
Let time heal your credit report. A late payment will stay on your credit report for seven years. After seven years, the three major credit bureaus will remove the late payment for you. But you donât need to worry about your credit score for the full seven years. A study by VantageScore solutions found that a single late payment can ding your credit score by 70-120 points.