Does Cheese report late payments? December 27, 2022 23:32 Yes. Cheese reports late payments to the credit bureaus. Related articles When will the Credit Builder Account appear on my credit report? When does Cheese report to the credit bureaus? Does Cheese report to all three credit bureaus? How will the Cheese Credit Builder payment be reflected on my bank statement? Can I make an early payment on a Cheese Credit Builder Account or pay for next month in advance?