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Late payment on electric bill

i've had one late payment for electric in the last 4 monthhs. so far it has not seemed to effect my credit but i'm worried about it because id like to get a mortgage. do you know if/when it will effect my credit or if it is too soon since the late payment to get a mortgage?
By kurrico_aj784623629 from OH Jul 29th 2014
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Utilities gennerally are not reported on your credit report, unless it went to collection.

Jul 29th 2014

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I agree with my colleague. The only way it could affect your mortgage application is if you had to use that account as an alternate trade-line to support/enhance your overall financial profile..

Jul 29th 2014


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