Reporting on lates question

[Suddenlyy]

from what i understand, most creditors only report lates on your CR if it is 30 days late or more.

but what i want a clarification on, is does ANY negative information find its way on to your CR if its just, say, 10 days late? or 29 days late? 

Would a mortgage loan officer, for example, see anything about an account being delinquent if i had an account that was, say,  20 days past due? Or would he simply see "paid as agreed" unless it actually met the 30 day mark?

[pizzadude]

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@Suddenlyy wrote:

from what i understand, most creditors only report lates on your CR if it is 30 days late or more.

but what i want a clarification on, is does ANY negative information find its way on to your CR if its just, say, 10 days late? or 29 days late? 

Would a mortgage loan officer, for example, see anything about an account being delinquent if i had an account that was, say,  20 days past due? Or would he simply see "paid as agreed" unless it actually met the 30 day mark?

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Nope.   Creditors should not report any late payment information to the CRAs if you pay anything less than 30 days late, so loan officers / anyone reviewing your CR wouldn't know anything.