If I missed a credit card payment, for how long does it affect my credit score? If you miss a payment on a credit account, the missed payment will show on your payment history and credit report for 6 years - even once it is paid off. For more information on how long information stays on your credit report, check out our FAQ. Related articles How long will it take for my score to improve? Can people living at my address affect my score? How can I improve my score? I’m still paying my student loan – will that affect my score adversely? Do all lenders use your score?