How late can my mortgage be before it goes on my credit report?

Answer by  davidg (23)

Your contract should have a "grace period", usually 10 days. They cannot report you to the bureaus until after 30 days from your due date.

Answer by  drJ (841)

Most mortgage companies will offer a 15-day grace period before they declare a payment late internally and charge interest. They will usually not report for 30-60 days.