Missed payments not on report -- all clear?

oceanscape

I missed 2 payments on one of my credit cards back in July/August (it's all up to date now, payments were just late because I didn't realise there was no DD set up and was away so didn't get the mail).

I just checked Experian and the card in question is showing "updated to period 13th September". There is NO late/missed payment markers - it's all green. Does this mean I have been lucky and "got away" with it, or is there a chance the CC company might add it to my report at a later date?

Thanks!

noah271007

By the sounds of it, yes you have been very lucky - unless they have yet to add report for the months that you have missed payments? How long ago did you last missed payments? Did you make the due payments before the statement has been generated? Some lenders report to CRAs after statements has been generated. Other lenders are more harsh than others in reporting payment conduct, so if you indeed miss a payment say by one day and got £12 default fee, , for some lenders that would automatically trigger a missed payment record in their systems.

Which lender is this?

I dont have a list of lenders who are known to be harsh in reporting late payments for at least one or two days after due date. Maybe anyone can care to name them.

oceanscape wrote: »

I missed 2 payments on one of my credit cards back in July/August (it's all up to date now, payments were just late because I didn't realise there was no DD set up and was away so didn't get the mail).

I just checked Experian and the card in question is showing "updated to period 13th September". There is NO late/missed payment markers - it's all green. Does this mean I have been lucky and "got away" with it, or is there a chance the CC company might add it to my report at a later date?

Thanks!

oceanscape

Thanks for the info. It was a FlyBe/Sygma card.

noah271007

How late is the payments? Was it generated before a statement is produced?