One thing I shouldn't tell people, but if you actually look at the terminology
"30 days past the due date" is how it's defined. So if it was due on January 1st, technically should not report late until Jan30-31st. Although some creditors are known to ding your report sooner, but never heard of before 2 weeks. Of course being 1 day late usually throws you into penalty APR for indefiniately, and a late charge is usally applied. but if you mostly PIF like most good MyFico posters should 
this really matter too much.
