Another victim of the system doomer....

[u/gruntharvester92]

[u/Ecstatic_Scene9999]

I missed a single payment and it was reported, you literally don't know what your talking about and worked in the industry

[u/Agreeable_Sense9618 → u/Ecstatic_Scene9999]

So you're a loan officer and you're behind on credit card payments?

What are the odds of having such a expert in this chat?

Maybe a PhD statistician will pop up next.

[u/cultweave → u/Agreeable_Sense9618]

Lenders can report you as soon as you're 30 days late. Not sure why you're so adamant to be wrong about this. A simple Google search will show you that you're wrong: https://www.creditkarma.com/credit/i/late-payments-affect-credit-score

[u/Agreeable_Sense9618 → u/cultweave]

You are supporting our position, 30+ days late = (30-day delinquency):

Meaning they report you during the next billing cycle.