 TITLE: When Do Late Payments Get Reported? CONTENT: When Do Late Payments Show Up on Your Credit Report?\n----------------------------------------------------\nWhen creditors send information to the credit bureaus, they use different status codes to indicate whether the payment on your account is current or late. There's no code for an account being one to 29 days late. Creditors will use the \"current\" code during that period, which is why your late payment won't show up—or impact your credit scores—until it is at least 30 days late.\nCreditors send updates to the credit bureaus at different times, and there's no way to know exactly when the late payment status will show up. Many creditors send updates monthly, however, so you could expect the late payment to appear on your credit report within a month or two of falling behind on your payments. END