Will O2's mess up damage my credit rating?

anticlaus105

I am very careful to guard my credit rating esp in the current climate. I recently got a new mobile phone with o2 over the internet.

The company I got it from gave the wrong bank details to o2. I noticed when viewing my details online, and called o2 2 days before the direct debit was due to go out and changed the details to the correct ones. The chap I spoke to said this wouldn't cause any problems. I guess I should have checked that the payment went out but have been v busy. It didn't and as a result outgoing call barring was put on today.

I called up and paid by a debit card and expressed my corncern at being given incorrect info. The lady assured me that this episode won't affect my credit rating in any way. She said as I hadn't been fully cut off it didn't matter.

Is this correct? How come a late credit card payment would affect it? Is it not the same thing? It is too early to check atm. Am I just being parnoid?

I have searched using google and it seems to suggest it will be affected. O2 were adamant it wouldn't tho.

diamonds

credit files are updated a minumum of 1 month arrears, most companies adjust before reporting updates if the mess up over late apayment is thier fault, if they dont you can ask them to adjust it