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n 1-30 Days Delinquent: This is often a warning phase where lenders will ship reminders.
31-59 Days Delinquent: Things get a bit extra critical. The lender may apply late charges and report delinquencies to credit score bureaus.
60-89 Days Delinquent: Lenders may escalate their efforts to achieve you, with important late charges and better interest rates now incurred.
90+ Days Delinquent: Your account may be handed over to a group agency, and your credit score report will take a considerable

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