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I am not sure how Ford works, but at the bank I work for, we report to the CBRs once a month on the last day of every month. If your account is 30 DPD on the 14th for instance, we would not report you as 30dpd as long as it was paid by the last day of the month. This works well for people with early in the month due dates, if your due date is on the first or second you would not be reported as past due until you are almost 60 DPD.