Who else's mortgage company calls to dun you BEFORE you are late?

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[quote JoeH][quote MikeF]If it's due on the 1st but not late until the 15th, they can still ding your credit for not paying when due...
Actually, no they can't. Terms of a standard mortgage states payment is not late until after the 10th or 15th. They can not report it as overdue. Well, they can and then be sued for damages in court. The Fair Credit Reporting Act provides for triple damages as I recall.
Yep. It should not be reported to credit until it's 30 days past due.