Question about late pay?

[Anonymous]

Say  I have a mortgage which is due on Jan. 1 but is not late until Jan. 16. I pay the Jan. payment on Feb. 2 .  Is that considered 30 days late or does the thirty days start from Jan 16?

[marty56]

In most cases no but I would call the mortgage company and plead my case.  In the cases where creditors would mark an account 30 days late even when it wasn't 30 days, it was done when they payment was received after the next satement drop date.  WF did that to me 7 years ago, but of course their policy could have changed.