I'm curious how late the payment was actually made. Sometime in the last couple years, I got an email the day after the due date that I didn't make a payment on a CC, but I paid it immediately on receiving the email, which was a day late, maybe two days late due to the processing delay of the online payment. I was concerned there might be a ding on my credit report/score, but nothing ever showed as being a late payment nor was there any drop in my credit score, still up around 840.