Paying on day 29 or even 27 is playing with fire. When you are doing these payments through this system your scheduling them, if the payment is on a non-business day its not going to get posted in time most likely. I would do all you can to get on a schedule where you are paying closer to on time otherwise your likely to get more 30 day lates. I have plenty from about 4-5 years ago from this very scenario and they continue to haunt me, not as much as when they were new but its tough to rebuild with a bunch of 30 day lates in your history. I had no luck getting mine removed through the dispute process either.