With most credit scoring models, unless the account goes to collections or the service provider charges off the debt, late mobile payments won't have an immediate impact on your credit score.

This probably won't happen if you miss just one payment (depending on the provider), but if you miss multiple payments or allow an unpaid bill to stay that way, they may close your account and use a debt collector to obtain payment or could write it off as uncollectible. Not great.

Your payment history is generally considered the most important factor in your credit score, and because of this, a collections account or charged-off debt can have a major negative impact on your credit score. Plus, the negative item will remain on your credit report for seven years. Really not great.

That doesn't mean your credit score will stay down for that long though. New, positive information can help offset old, negative information. Just know that it can take time and effort to properly recover and rebuild.

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