The answer to that question (assuming it's reported) is very complex and depends on your current credit profile. Might do very little damage to someone with a thick file who already has lots of recent lates, while someone who has a thin file but scores in the 800s might see them plunge a LOT. Has it been 30 days since the original due date, meaning that yet another due date has now come and gone? Has the account been brought current?
@Tomew2000 wrote:
o@K-in-Boston wrote:The answer to that question (assuming it's reported) is very complex and depends on your current credit profile. Might do very little damage to someone with a thick file who already has lots of recent lates, while someone who has a thin file but scores in the 800s might see them plunge a LOT. Has it been 30 days since the original due date, meaning that yet another due date has now come and gone? Has the account been brought current?
Sorry. Didn’t quote. Yes. I missed March. Meant to catch up before April due date. Missed it. Oversight, brought current today. My Fico 8 is 683. Last missed pYment 4-5 years ago in a 37 year history
I don't know, no one knows. If you're lucky it might not even get reported. What's the point of worrying about it? You've made the payment. There's nothing more you can do about it.
In the future you might want to set up autopay for the minimum amount so that you can never be late again.
