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This is the same with every lender, and a common misquoted answer: Before your credit score will be affected by a late payment, you must be 30 days late on your bill.

Yet, there is one more caveat, you need to be working with a creditor that actually reports to the credit bureaus. Many creditors do not report to the credit bureaus and have then, a late payment will have no impact on your credit score.

That being said, do not assume that is normal, as most lenders do. Typically, creditors that do not report to the credit bureaus, are small banks, utility companies, cell phone providers, and the likes.

One point of caution, if you don't pay your small bank, utility bill, or cell phone bill, even though they do not report the payment history to the credit bureaus, they will send your bill to collections and ultimately, that will hurt your credit.

Obviously, the best thing to do is to pay your bills each month.

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15y ago

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How many day you have to be behind to report late payment on credit?

normally 30 days


How does a person get bad credit?

By not paying your bills as agreed. Keep in mind that bad entries are reported to the credit bureau if you are over 30 days late from making a payment but make sure that you payment get posted prior to 30 days. Example if you have a car note and its due on the 9th of each month, it will not get reported to the credit bureau unless a payment is not posted by the 8th of that next month as long it will not go over 30 days. You will have to pay late fees but it won't affect your credit. Source: Credit Bible by Phil Turner.


What is payment term open account 50 days?

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What means Payment terms 30 days eom?

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How long after a payment is made to your credit cards does it take to reflect on your credit report?

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What happens if you miss your monthly credit card payment?

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Why hasn't my credit card payment posted yet?

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