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FACT:
Credit companies do not report you at 30 days late.
First of all, there is a 30 day grace period from the date the bill is issued. If you go 30 days past that (60 days out) they still don't report you in most cases. When you go 90 days out THEN they report you as a 30 day which is really 60 days past your due date which again....Has a 30 day grace period.
So...You are either 60 but most likely 90 days past due if they have already reported you as 30.
Many people have problems paying their bills on time....Especially people at your age. Don't come here and try to snow us over though. I spent almost 4 years in the banking industry dealing with people on these exact issues.
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