Once a payment is made 30 days or more past its original due date, we are required to report it as late to the three major credit bureaus. As long as a payment is submitted on time (ACH payment by day 28 or a debit card payment* by day 29 from the original due date), it will be reported as on time.
We send out warning messages before a payment becomes late, giving you a chance to avoid a negative mark on your credit report.
*Debit card payments may not be available in all states