Definitely. Where I live (Toronto) credit reports used for most things only have information like: "missed a payment in the last 30/60/120 days -- yes/no" and t

Definitely. Where I live (Toronto) credit reports used for most things only have information like: "missed a payment in the last 30/60/120 days -- yes/no" and that's it. Pls, as above, most banks wont actually bother reporting a 1-day late payment at all.