Understanding delinquency time for CCs

MGB, I thought I was 150 days late when I made my first offer but in fact I was just only 120 by the cc records. Sign on your cc account and see if there's a count down daily calendar.

I beleive days late start when you miss your last payment. I simply asked the credit card companies and they will tell you.

You will have to ask each one of them because I quit paying all mine at the same time but had been on a hardship program on some. So those cards put me back to the date I went into the hardship program. So for instance, Cap One says I'm just about 180 days late but the other two say I'm about 100 days. Even though my last payments were all within a week of each other.

Thanks everyone for your input. I spoke with one creditor last evening and they told me I was 84 days late; my first missed payment was Dec 09.

I will ask each creditor each time I speak with them, just to closely monitor how delinquent I am and hopefully reach settlement before 180 day mark.