<prompt> Human: In regards to my previous post:At first, I thought I had missed the payment as described in the post above, but did a little more digging in my account. My first statement was issued 04012015, stating my first payment would be due 05012015.On 04072015, I paid 2500 of the 5000 loan. I figured that would cover my payment due on 05012015...which is why I am confused when its showing 1 month delinquent. Am I being penalized for making my monthly payment too early...?Any thoughts? I was charged a 5 late fee and am now worried this delinquent month will be reported to the credit bureaus.  <response>: Call your loan holder, the sooner the better. 