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.
Time Frame. Creditors can report late payments to the credit bureaus, which stay on the report for up to seven years after the late payment occurs. Your credit report will also show the length of the delinquency, usually by listing the late payments as 30 days, 60 days or 90 days past due.redit Considerations. If you have a good payment record, one 30-day late payment probably won't affect your credit score too much. But a 90-day late payment can have a very serious effect on your credit score, as will a pattern of late payments.