how long after do late payments affect your credit file

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i have a few late payments and mainly AP's on one credit account. if i get this paid off, how long after till its 'clean' again, and how long after till 'prime' credit cards would accept me, considering every thing else on my credit file is green 0's!?

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  • izools
    izools Posts: 7,513 Forumite
    Combo Breaker First Post
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    A bare minimum of 12 months 100% flawless account conduct, possibly more depending on the rest of your credit file.

    Do you have any defaults? If so, then you'll be looking at a bare minimum of three years flawless account conduct.
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  • costaerer
    costaerer Posts: 648 Forumite
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    no, no defaults. apart from the 1 overdraft, all other credit accounts are perfect bar one late payment on loan in december 2008
  • izools
    izools Posts: 7,513 Forumite
    Combo Breaker First Post
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    12 months from the last missed / late / arranged payment then, ensuring no more than two searches in the preceding six months and none in the preceding three months you should be hot to trot :o
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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