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If it's over 30 days late in the credit card payment due to lost statement and credit card company waives the late fee and charges will this affect the credit report?
Wiki User
∙ 18y ago
The credit report does not include late payments unless you are over 60 days, and it is really generally up to the credit card company to write it in. Most credit reports i have read are: account holder, when opened, when closed, who closed the account (you or them) how much was granted, how much was borrowed, how much you still owed. The monthly payments are usually in some check-like form where you can barely distinguish each and every date if you really try hard. If the credit card company is going to waive the fee for it, it is like it never happened. I can almost be positive that it will NEVER reach your credit report.
Wiki User
∙ 18y ago
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If the mortgage company receives the payment before the "late" date, it won't affect your credit if you don't do it all the time. If you do it too often, they may call you a "slow pay" instead of a "late pay" and that will affect your credit in a bad way. Your payment is late if not paid on or before the due date. Most states do not allow a mortgage company to attach a penalty if it is paid within 10, 14 or 15 days, depending on the state, but it is still late, and can be reported as such. That will affect your score.
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If you pay your mortgage payment after the due date but before the day it is considered late will this affect your credit?
If the mortgage company receives the payment before the "late" date, it won't affect your credit if you don't do it all the time. If you do it too often, they may call you a "slow pay" instead of a "late pay" and that will affect your credit in a bad way. Your payment is late if not paid on or before the due date. Most states do not allow a mortgage company to attach a penalty if it is paid within 10, 14 or 15 days, depending on the state, but it is still late, and can be reported as such. That will affect your score.
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Does forbearance on student loans affect individual credit?
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