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Unfortunately if a 30-day late payment hits a credit report, it typically will drop the score on an average of 60 to 110 points right away.Any payments which go anywhere between 31 days to 60 days late are considered a 60-day late and will compound the drop in score further.
Late Payment Within the Grace Period. Most lenders set the due date as the first of each month; however, they offer a standard grace period of 15 days. A payment made on or before the 15th of the month will be treated as though it had been made on time. No fees will be charged, and the borrower will not be reported to a credit agency.