Quote:
Originally posted by sebastian_dangerfield
I got the best rate available at the time as well. My credit actually came back perfect. Go figure. I don't get it either. I had to ask the loan people if they had my name right.
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Your credit card, etc. accounts typically won't report you for anything less than 90 days late (some asshole companies might report at 60, but that is not the rule). If you've been making payments 30-45 days late for years, it might never be reflected in your report. Why? The credit card companies and other creditors want to keep you as their customer. Especially if they're collecting interest from you.
