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.
However, you should know that any late payment will stay on your credit history for seven years. The credit hit gets worse the more you push the payment back. A payment thatâs 90 days late is worse than one thatâs 60 days late, which is worse than one thatâs 30 days late, and so on. The biggest detriments to your credit are collection items such as bankruptcies, foreclosures and liens.