6 Things That Won't Hurt Your Credit Score
4. Late payments to small vendors
Late payments to small vendors especially those who don’t report to the credit bureaus, won’t even slightly bother your credit score. In order to count your debt toward your credit score, one needs to report to one of the big credit bureaus. “Small vendors typically don’t report to credit bureaus and some large companies don’t either,” says Walzak. Once a vendor sends your debt details to a bureau, then only your credit score can be in danger. Most small vendors don’t tend to take this step.
