2 months ago
Last edited at 5:32PM on 1/31/2014
The answer is YES they can. However, it really depends on who your creditor/debtor is? If you have a good history with them and you are seldom late, they usually do not report it to the credit bureau if you are late once. If you are developing a pattern or continue to make a habit of being delinquent on payments then they do report you.