https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Another-question/m-p/130230#M13835 <DIV>30 days - after that you're late. NEVER assume they won't report you if you are only 1 or 2 days late. &nbsp;&nbsp;</DIV> Thu, 10 Jan 2008 21:17:02 GMT Anonymous 2008-01-10T21:17:02Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Another-question/m-p/130133#M13826 <DIV>Hello all.&nbsp; Another question.. When paying off credit cards and/or student loans etc.. what is considered "late"?&nbsp; What if its one day or so late but not reported as such to the credit reporting agency until 30 days past due.&nbsp; Does this still count against you somehow? Like if the credit card company is thinking of increasing your balance, they won't do it..?</DIV> Thu, 10 Jan 2008 19:19:31 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Another-question/m-p/130133#M13826 Anonymous 2008-01-10T19:19:31Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Another-question/m-p/130230#M13835 <DIV>30 days - after that you're late. NEVER assume they won't report you if you are only 1 or 2 days late. &nbsp;&nbsp;</DIV> Thu, 10 Jan 2008 21:17:02 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Another-question/m-p/130230#M13835 Anonymous 2008-01-10T21:17:02Z