Question about credit history,advice would be great.

new_mummy_3

hiya,

I really dont know if I am putting this in the right place and if its not then im sorry.I was just wondering,i have a good credit rating and was just wondering if a couple of payments that the bank sent back this last month would affect that.
I was in the middle of changing banks and as a result a couple got mixed up but they were paid when they took them again 10 days later so I was just wondering if this would affect my credit history,we dont believe it will but I was just wondering!
It was just a payment of 81 and 115 and like I said they were paid when they retook them and i spoke to the companies that it concerned and explained.Apart from this I have never missed a payment.
Many thanks
Katie

nickmack

new_mummy wrote: »

It was just a payment of 81 and 115 and like I said they were paid when they retook them and i spoke to the companies that it concerned and explained.Apart from this I have never missed a payment.

Who were the companies concerned and what is the frequency and type of regular payment? (i.e. Monthly, Direct Debit)

If the outstanding bill was settled within 10 days, the payment *shouldn't* be marked as missed, unless you were unlucky enough to straddle their payment cycle.