Missed Payments on Credit File

jon_boy75

actually, my issue is slightly different

i went overdrawn for a day, both in june 2010 and january 2010, money was paid in as soon as i became aware of this, the following morning. definitely stupid on my part, but just an oversight and nothing too bad.
is it acceptable, according to CRA guidance, to post a late payment marker for this? despite being in credit for the other 30 days (or 29) of the month? the information on CRA reports doesnt provide enough detail on this, so i think there's an accuracy issue. It indicates I'm 1 month late on that account (current account) when clearly that's not the case
thanks in advance

jon_boy75

Experian_company_representative wrote: »

Steameh - a payment late by just two days shouldn't be registered on your credit reports. If it has, let us know and we'll query it for you.

Kathpink - there are three CRAs in the UK. Most lenders use Experian, some use one of the others and some actually use two CRAs. It's therefore sensible to check your report with all three agencies from time to time, but as Experian is the most frequently accessed agency this is the one you should keep the closest eye on. CRAs are licensed by the Office of Fair Trading (to operate a CRA) and are registered with the Information Commissioner's Office for processing personal data. Much of the data we hold is also covered by specific legislation eg the electoral roll. I'm sure if you've raised a query with another CRA they'll quickly resolve the matter for you. By law the information the CRAs hold must be accurate and up to date.

James

James, sorry to push you on this, but what guidance do CRAs follow when deciding whether to post late payment markers or not?

thanks