by 
mk300
ANSWERS: 2
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After 2 months of non-payment, it will hit your credit rating.
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As far as I know: as long as they like. As far as I know: credit agencies are not under any legal onus to do such a thing, let alone in a timely manner. Credit agencies offer credit reporting as a SERVICE. It is in their interest to provide timely updates to those who pay for that service, but (as far as I know) they are not legally required to do so.
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