I haven't had a 30 day late for over 5 years. However, I might have broken my streak. My prosper loan was due back on July 16th and I made my payment on the 14th of this month with payment posting on the 15th. I reside on the westcoast. When I made my payment on the 14th it was before midnight. If I were to go based off pacific standard time technically I wouldn't be 30 days late. However, if we are talking eastern time than I would hit that 30 day mark since I made the payment at 10:40pm on the 14th which would be already 1:40am the 15th eastern time. This is assuming I get credit for payment when I submit and not when it posts.
When I logged online it did say I was already 30 days past due. So I suppose they are going off eastern time frame. Has anyone had any experience or know how prosper handles 30 day lates? I got two different responses from prosper reps. One rep said I will get reported and another rep asked their supervisor and said I should be good because they havent reported to the bureus yet and my account shows current right at the 30 day mark. I can't find anything specific about this on their borrower agreement aside from they will report you to the bureaus if you are in excess of 30 days late.