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Yes Pikaboo-icu is correct, they will not report you for 3 days late, it has to be 30 days late for them to report you, internally it could hinder you down the road.
But the other poster mentioned a recent 30 day late would cost you very little points, I disagree there. A recent 30 days late will cause your score to drop if that's your only negative!!
@Jnbmom wrote:Yes Pikaboo-icu is correct, they will not report you for 3 days late, it has to be 30 days late for them to report you, internally it could hinder you down the road.
But the other poster mentioned a recent 30 day late would cost you very little points, I disagree there. A recent 30 days late will cause your score to drop if that's your only negative!!
Yep and sadly it's a pretty BIG drop..
Welcome to the doghouse. I was 1 or 2 days late for something like $11-12. My secured discover is still secured at 18 months. I called and they acted like I shouldn't be surprised despite 17 months of good history, 12 of which in a row after the fact. They also won't approve me for a new card. It wasn't reported to the bureaus though.
@Pikaboo-icu wrote:
@Jnbmom wrote:Yes Pikaboo-icu is correct, they will not report you for 3 days late, it has to be 30 days late for them to report you, internally it could hinder you down the road.
But the other poster mentioned a recent 30 day late would cost you very little points, I disagree there. A recent 30 days late will cause your score to drop if that's your only negative!!
Yep and sadly it's a pretty BIG drop..
I've seen 70 points for a clean profile. Obviously, not so much if it's already dirty.
@Anonymous wrote:
Don't worry too much, it won't be a big impact, few points max.
Make no mistake about it my friend. A single 30 day late on a clean profile can tank your score as much as 100 points.