For me, late is when your payment is recorded post 12:00 A.M. the day after your due date.
If you prefer to tempt fate and increase risk of a "late" then you should listen to all the other definitions.
For me, I PIF each revolving account 10-15 days prior to the closing date. This way I optimize my FICO opportunies and avoid any problems with some CCC's that hold your payments for 15 days after they receive them.
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)
EX=738
EQ=735
TU=754
FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739