If my payments were not more than 30 days late will it effect my credit?

Question

like two car payments I missed, not in a row either

and i am supposed to be selling that car and paying off the entire loan like this week anyways

so if there not more than 30 days late they dont get reported to my credit correct?

Answer 1

A payment has to be 30 days past the due date to be officially late on your credit report.

Answer 2

As long as it was posted under 30 days, it was not reported. You can request your free credit reports from annualcreditreport.com or call them toll free @ 1-877-322-8228 for all 3 free reports.

Answer 3

Well, if it's past the due date it is technically 'late' but I'm not positive, I must say that missing a payment does appear on the report, but if you paid it before it got reported to the bureau it should not be classified as being late.

Again, double check to make sure.

Hope this helps.

Answer 4

It should not be reported until a whole cycle has passed.

Look at your report.  There is no category for less than 30 days late..