Even a single payment that is late or not made at all may have an effect on credit reports and credit ratings. But to answer your question in a nutshell, missed payments won’t typically show up on your credit reports until at least a month after the day you were supposed to make the payment, even though you may still be responsible for paying late penalties.
If you are just a few days or a couple of weeks late on the payment and you make the whole late payment before that 30-day period is through, lenders and creditors may opt to not report it to the credit bureaus as a late payment. On the other hand, lenders and creditors are compelled to disclose the late payment to the credit agencies if it has been more than 30 days after the due date of the payment.
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