How long have you had your car payment? No other issues? When do you plan to buy?
See if you can get them to goodwill the late by explaining the circumstances and your situation.
Was planning on applying this week but loan officer suggests waiting to see how it will report. As of now, it has not reported... I have one other late in Decemver 2009 and the note was 48 months.
I would go ahead and write a compelling goodwill letter just in case they do decide to report you as paying late. Hang on to it just in case the lates show up. It's possible that they might cut you some slack....
Do you think I should try to email it to someone before reporting even occurs? Or maybe contact the Main branch of the bank?
It might not hurt to be proactive ~ you could call them and inquire about how they report lates.....explain the situation and ask nicely for some goodwill. If that fails then start with the emails and/or letters.