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Will this have gone on my credit file?

benwilliamsuk
benwilliamsuk Posts: 21 Forumite
edited 3 May 2013 at 11:15PM in Budgeting & bank accounts
This message has been removed.

Comments

  • jackywhizz
    jackywhizz Posts: 726 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    Sky isn't a credit agreement as such - just a contract to pay so much per month. I doubt it appears on your credit record.

    The only way it would is if you failed to make the payments at all and Sky decided to take debt collection action.

    As for the bank account, one unpaid DD shouldn't cause them to mark your credit record adversely but it does depend on other factors. For instance if you have recently opened your account and were only offered a basic one because of existing adverse data then they will take a stricter view than if you are a long-standing customer who just made a mistake this month.

    Hope that helps.
  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You will be fine unless you bank with HSBC or first direct they record bounced DDs with the CRAs.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • benwilliamsuk
    benwilliamsuk Posts: 21 Forumite
    edited 3 May 2013 at 11:15PM
    This message has been removed.
  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You may find it useful to register for the Natwest alerts service.

    Then you will get an alert should you slip over your agreed overdraft facility in future.

    http://www.natwest.com/Downloads/personal/online-banking/alerts.pdf
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • reclusive46
    reclusive46 Posts: 2,698 Forumite
    Sky also don't report to the credit reference agencies.
This discussion has been closed.
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