Does paying before 30 days late affect your credit score?

[Anonymous]

If you have an auto loan and paid it 15 to 20 days late every month.. would that effect your credit score?

[Datx]

No, it should not affect your credit score. Its only if you are 30 days late or more is when a lender can report lates to your CRs. Even though it doesnt affect your CRs, It may affect the relationship with your lender by paying late.

[Jutz]

Obviously it's not great for the relationship, and it will probably cause you to pay more than you should (late fees, rush payment if very late, etc).  However I was in over my head on an auto loan from Chase 3 years back and was consistently 20-29 days late until the day I paid it off.  On my credit report it reads with immaculate payment history.  I feel like if I went back to Chase for an Auto loan today however, they'd probably dive into my old account and see how reckless I was.

[albinotiger]

I had 15 out of 36 payments that were about 25 days late... when i went to lease a new car that same dealer showed me it on his computer..this was pre 2007 when lendrs were excepting just about any score for a lease.. good old days.. he said because of that history my rate could have been better because the car company can grant a better rate to loyalty custumers but i could not get it because of all those past due payments... so it does not effect your score but can keep you from getting a loyalty type discount rate..i also believe it may effect your auto credit score.. not sure on that though..