<prompt> Human: Before I bust out this OP I want to tell everyone that I know it would be much easier on my credit if I paid my auto loan on the due date. Im well aware of how important that is and how a prompt payment on the agreed upon due date helps to clear up any sort of confusion.With that being said, I lost my job last summer and I am hanging by a thread financially. Losing my job was a shock to say the least. My car payment has always been due on the 11th of each month. Tragically, my unemployment gets dropped into my account on the 9th of each month. Well, Im sure you can see where this is going. I know that a late pay will not hit your credit bureau unless the payment is made 30 days after the due date. I made my August payment at 3:45PM on September 10th. I ran my credit on Transunion two days ago and the bank has reported my car payment late. Ive made 25 car payments with this bank and 24 of them were reported current. I realize August has 31 days but I truly thought that if I paid my note by end of business on the 10th of September, I would be within the 30 day limit.So I called to see whats up with this payment and when the loan manager looked up my account he saw that I had made 2 other payments as described above. It sounds as if this guy is going to go back and report those payments late to the credit bureaus as well. As of today, I only have one late pay. Can the bank go back and mark other payments late if they have already reported them as current? Do I have a leg to stand on with the 30 days issue? Is this lending institution being incredibly petty or am I completely off base here?If you guys could give me any guidance on this I would greatly appreciate it. ThanksAnd yes, this is my throw away handle. I feel like a complete jackass for being in this situation in the first place.  <response>: If youre hanging on by a thread financially you need to pick your battles. This is not a battle I would pick. You apparently paid 31 days past due, so its going to get reported as such. Take your licks and try to do better in the future. 