30 60 90 days late. How bad will it affect my credit report.

30 days late on my credit report within the past 6 months can reduce my credit score up to 40 points. If I get a 60 days late or a 90 days late or multiples of any of these my score car drop 100 points in a matter of days. The good side is after 24 months of no lates my score can go all the way back up to where it was when I had no lates.