There will be notes about any late payments or defaults of loan repayments like: never pays late, typically pays 30 days late, etc.. (debtfirms.com)
Default: When you do not make a mortgage payment on time, you are in default of your loan terms and agreement. (vamortgagecenter.com)
This is because bad credit mortgage seekers often have poor credit scores owing to serial defaulting of loans and other bad credit habits. (mortgagebrokerstore.com)