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Reply to "Courtesy Calls from Wells Fargo aka Shitheads"
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[quote=Anonymous]I would just ignore the calls. The payment is due on the 1st, but you have until the 16th to pay before late fees accrue. You won't get a late listed on your credit report until you are 30 days past due. There are two definitions for when you are late on a mortgage. In one definition, you would be late on the last day of the month. In another definition, you would not be late until the 1st day of the next month. Although only a 1 day difference, this is an important distinction since reporting to credit repositories is done on a monthly basis. At best, though, you have until the last day of the month to pay before you get a late. [/quote]
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