 TITLE: How Long Does a Late Mortgage Payment Affect Your Credit? CONTENT: When Do Late Payments Show Up on Your Credit Report?\n----------------------------------------------------\nA late payment appears on your credit report when you've gone at least 30 days past the due date. You might face penalties if you miss the due date by even just one day, but a late payment won't harm your credit if you bring your account up to date before the 30-day window closes. Cross that 30-day threshold, however, and you can expect to see the late payment reflected on your credit report within a month or two of the late payment being recorded. END