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Usually companies only report late debts that surpass 30 days, but yes, late payments, collections, defaults all appear as negatives on your credit report. Just remember that your credit score is different than the report and is made up of many factors, not just late payments.
@Aure: What I am asking is this: Should a negative appear on your account from the original date of deliquency? I would think yes. OR from the date you pay it off?
Seems to me it should appear when you're delinquent, then eventually (7 years) fall off.
Was it reported delinquent when you actually went delinquent? If not, maybe call the company who reported the delinquency and ask their policy.
If it was never actually delinquent, obviously, you need to clear that up with the company and the credit bureaus.
I just found a neg mark on mine and it when I paid off the loan early. I paid the car loan off in Feb ( I even have my car title) and its showing up late on my credit report. I have disputed it but nothing yet. Any advise?
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I am wondering when something (negative) is supposed to appear on your credit report.
Logically, I assumed it would be when the debt is late, or sent to collections. I have one that only appeared when I paid it off. Is this normal?