<prompt> Human: Ive had my mortgage for about 5 years, never missed a payment or had a late one until today. In a long circumstance of switching banks, it just fell between the cracks and I was only able to recognize the error today and promptly made the payment. I have a pretty strong credit score 820 and have no history of missing or late payments. I paid a 60 penalty with the bank for being late and everything I read seems to indicate that they will only report a late payment if its late by 30 days or more. Can anyone confirm this? Just want to make sure my credit score doesnt take a 90 or 100 point hit.  <response>: Usually under 30 days late youre fine. 