How bad does it affect your credit score for one 30 day late house payment ? Does anyone know ? Thanks?

We would be 30 days late as of April 1st. I tried to contact ALL three credit bureau's to ask BUT cannot get through. Any help would be greatly appreicated.

Public Comments

1. It will have virtually no effect as a stand alone event. If it is recurring or you have other late payments you will have issues. A one time event is nothing to worry about.
2. Usually for only one 30 day late payment you should be ok. Since it will not be late until April 1st, you still have time to pay it now and get it current so it doesn't hit your credit history.
3. Just one 30 day late isn't so bad, but I can tell you congress just passed a bill that makes it possible to get a loan modification, you rate can go down as much a 4%.. The lenders are now forced to modify loans. You can do it your self by calling your bank, it will take alot of persistence on your part. If your financial situation has changed since you bought your home or refinanced. (your taxes went up, your salary went down, your payment went up, etc) There are Lenders and companies with expertise that can help you. Don't pay anything up front, if they ask it is a scam. But if you modify your loan it can save you hundreds a month and make life easier for you. Good Luck
4. it's only late by credit report standards if it's 30 days late (although the creditor can still access late fees). one 30 day late shouldn't affect you too much, but being that FICO scoring is proprietary, nobody can say with any accuracy how many points that you would lose for this infraction.
5. IF U WENT ABOUT 45 DAYS IT WILL SHOW ON YOUR REPORTT DEPENDING HOW MANY ACCTS YOU HAVE ON YOUR FILE WILL DEPEND HOW MUCH IT WILL EFFECT YOU SCORE CREDIT CARD DEBT EFFECT ABOUT 30 PRECENT OF YOUR SCORE YOU CAN GO ONLINE EXPERIAN AND SIGN ON WITH THEM THEY HAVE A PROGRAM WHICH GIVE DIFFERENT CREDIT SCORES IF YOU PAY DOWN SO MUCH IF YOU TOOK OUT A LOAN OR IF YOU WERE LATE ON A PAYMENT
6. Your credit score is made up of many factors and an exact number is impossible to give you. But if you have an average score and report a drop of between 10-50 points would not be out of the ordinary. However, if after that mark you then get back on track and are current with everything after that. Over time it will improve, where after several months it will have a minimal impact and after a couple of years it will have almost none. If you have not done so already, you should be contacting your mortgage company. They may be able to help you with payment arrangements that MAY prevent a 30 day mark to be placed on your credit report.
7. Call now and work it out with them so its not reported late - they are working with people these days.