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					Originally Posted by College Downtime
					
				 
				Look it up 
			
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 all creditors are different but if your payment is due on the 1st with say a 10 day grace they will usually, start the reporting on the 10th of the next month, 30 days late. Shit the shady lenders that lend money at 20% are calling and sending letters the day before your payment is due 
