what does 30 days past due mean 
thirty days past due means that you haven t made a payment on your loan obligation in 30 days this is the turning point where it may impact your credit history typically if your account is 30 days past due or in some cases 60 you will be reported to the credit bureaus and your credit profile will take a hit the longer the time goes by without payment the worse it is 4can a late payment be forgiven it depends on the lender and the type of loan obligation sometimes late payments can be forgiven for example if you have a credit card and make a late payment but otherwise have had a good track record with the card provider then they may forgive the late payment if you call them up and ask 