IRVINE, Calif. — Consumers who are late with as little as onecar payment can see there credit scores drop by 100 points,according to a recently published study by Experian, one of thethree big credit reporting bureaus.

The national average credit score for consumers with no lateauto payments is 703, while the average score for consumers with atleast one late payment is 605. The average credit score dropsfurther to 580 when an auto payment is late by 90 days or more, thecompany said.

Texas had the lowest average credit score for those with atleast one late auto payment at 592 and also had the highest monthlyauto payment of $570. Conversely, consumers in New Hampshire hadthe highest average credit score for those with no late autopayments at 728 and an average monthly auto payment of $442.

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