[ujslost]

Wow this is actually kinda funny to read.
I have always heard there is a 10 day grace period, on late payments before a late fee is even charged. And I also have always known it to be 2-3 months behind before a repo is even put into motion. Im calling BS on the entire thing. Most companies only flag their credit reports every quarter, so even if you were late one month, as long as you were up to date before they flag their credit reports then you would still show up as pays on time.

LMAO! You might as well file bankruptcy now dude LOL!