Re: Apparently I have missed my FIRST payment!?
12-03-2012 08:00 PM
Usually they only report it when it's 30 days late. My brother has paid a Cap One past the due date (mailed the check the day it was due). Not sure if they counted the postage date, usually they don't, but they didn't jack up his rate nor report him to the credit bureaus. Make the payment online ASAP, then call as soon as you can in the morning to explain your situation. Many times they'll give you the okay
FICOS: EX 759 EQ 704 TU 754 VantageScore 3.0: EX 746 EQ 747 TU 747 Credit Sesame (EX) 756 Credit.com (EX) 784