Generally speaking, the reporting date is at least 30 days after the payment due date, meaning it's possible to make up late payments before they wind up on credit reports. Some lenders and creditors don't report late payments until they are 60 days past due.
What counts as 30 days late?
A payment status of 30-days late means that payment is between 30-59 days past the payment due date. A payment status of 60-days late means that payment is between 60-89 days past the payment due date.
How late does a payment have to be to be considered late?
Credit card companies generally can't treat a payment as late if it's received by 5 p.m. on the day it's due (in the time zone stated on the billing statement), or the next business day if the due date is a Sunday or holiday.
What if you make a payment on the 30th day?
Even if you repay overdue bills, the late payment won't fall off your credit report until after seven years. And no matter how late your payment is, say 30 days versus 60 days, it will still take seven years to drop off.