they will not reflect on your cr unless they were 30 days late as far as i know.
as for the higher intrest rates, etc. i think that would be on a per account basis. best thing would be to call the creditors and explain the situation.
over 30 days is another story. my gf somehow missed a $15 payment to best buy a few months ago and got her first derog ever. dropped her from the 720s to the 650s with no other changes!