How long does it take before a missed car payment count against your credit?

Answer 1

30 days before any late payment shows up on a credit report.

Answer 2

It depends on your lender. Everytime you are late it will show, even if it is w/n 3 days, so depending on who is looking at your credit with that, then they will make a judgment. so what I mean is it will create a pattern, 2 days late here 4 there, 3 weeks here 1 week there, ontime here 4 days late there. The more you are frequently late, the more they can count that against you and even turn it in as unpaid to your lender and all of this can count against you and even lead to reposession. It is not a standard 30 days for all auto payments. All lenders have different polocies and you can probubly find your on your paperwork. It is sort of the same as say your electric bill, this stuff goes twards your credit and can be used against you, same with ontime and late payment patterns. Lots of companies inquiring about credit, will tell you you can use utilities as a credit referal, and agai, as with auto, and most anything else, time matters.

Answer 3

About 10 seconds.

Answer 4

It depends on the cycle the lender reports on. Payment history isnt reported real time, it is send electonically in batches, usually 1 or 2 times per month. So if you are the end of batch period, it will be quicker.

Do this..call the lender and explain that you usually pay your bills on time and ask for them NOT to report you deliquent this time. If you are a good customer, they may do it for you. Ask to speak with a supervisor-- Good luck

Answer 5

You have to be 30 days past due and then you have about 15-20 days before it reports to the bureaus, in most cases.

Answer 6

30 days from the due date, if you make a payment on day 28 you can fight it