If you payed your mortgage 20 days late and were charged a late fee will this be reported to the credit bureaus?

%REPLIES% Answer That's at the discretion of the lender, and/or terms of the loan. If the mortgagee has a good payment history many lenders will not report a single late payment Answer It is possible that your mortgage company reported your loan as "past due", but not likely. This is one column/heading in a typical credit report.

The rating of I1 or M1 would not change, nor would the delinquency be reported in the counters until your mortgage was 30 or more days late The ordinary procedure is for mortgage companies to report only 30+ delinquencies. According to each individual contract, they may charge late fees if you pay 5,15 or 20 days late, but this generally is not reported against you To be sure, it would be best to obtain copies of your credit report from all three reporting agencies. Address any late payment showing NOW and see if your mortgage company will remove that late as an act of goodwill.

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