couple late payments on call credit credit report

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check call credit report basically everythings green apart from a couple of late payments...

why would it put me in the very bad credit score catagory?
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  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
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    costaerer wrote: »
    check call credit report basically everythings green apart from a couple of late payments...

    why would it put me in the very bad credit score catagory?

    Think your silver mastercard you have applied for is slowly slipping away from you old mate..
    Costaerer have you tried getting a credit card quote from moneyextra.com,that will also tell you which cards best suit your credit report..
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
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    costaerer wrote: »
    check call credit report basically everythings green apart from a couple of late payments...

    why would it put me in the very bad credit score catagory?

    Almost no credit card providers search Call Credit to assess an application, they may report account conduct to them but that is completely different. A late payment marker on your file will have little or no impact after 12 months....
  • costaerer
    costaerer Posts: 648 Forumite
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    forget the sygma card im just wondering why considering basically ALL green apart from 1 late payment 3 months ago they would class me as having a bad credit score. just dont understand. what more can i do?
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
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    costaerer wrote: »
    forget the sygma card im just wondering why considering basically ALL green apart from 1 late payment 3 months ago they would class me as having a bad credit score. just dont understand. what more can i do?

    What make you say that you have a bad credit score?? Is that because they've said so.... You've just wasted your money...credit score of either call credit, experian or equifax is just meaningless and as I PREVIOUSLY said, none of the high street credit card providers searches call credit to assess application, they only report account conduct
  • Spartacus_Mills
    Spartacus_Mills Posts: 5,545 Forumite
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    costaerer wrote: »
    forget the sygma card im just wondering why considering basically ALL green apart from 1 late payment 3 months ago they would class me as having a bad credit score. just dont understand. what more can i do?

    You could have pleaded with the C Card Company that it was an error and ask them to remove it from your record. Problem is you would have needed to have done that at the time.
    "There's no such thing as Macra. Macra do not exist."
    "I could play all day in my Green Cathedral".
    "The Centuries that divide me shall be undone."
    "A dream? Really, Doctor. You'll be consulting the entrails of a sheep next. "
  • costaerer
    costaerer Posts: 648 Forumite
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    1 late payment should not class me as uncreditable. i just search call credit purely out of curiosity! i do understand it is not used to search thought a barclaycard application last september was showing on there.

    btw, i didnt pay for anything, on call credit it gives you your 'score' for free. it was like 450 something and 1 out of 5 stars. argh
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
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    I don't know why you're making such a fuss for nothing....not sure I understand what you're trying to achieve here or want us to say.
  • izools
    izools Posts: 7,513 Forumite
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    costaerer wrote: »
    check call credit report basically everythings green apart from a couple of late payments...

    why would it put me in the very bad credit score catagory?

    It's because they're so recent.

    You'll be frowned upon in a somewhat sumprime light until the most recent missed payment as 12 months old.
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • costaerer
    costaerer Posts: 648 Forumite
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    stephane wrote: »
    I don't know why you're making such a fuss for nothing....not sure I understand what you're trying to achieve here or want us to say.

    forget it, i just wanted to know why i would be uncreditable because of 1 late payment.
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
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    costaerer wrote: »
    forget it, i just wanted to know why i would be uncreditable because of 1 late payment.

    What make you say that they would not give you credit....did I not tell you that 99.99% of lenders DO NOT search Call Credit....
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