We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
help advice please
Options

2kids1dog
Posts: 21 Forumite
I missed a payment by 3 days on a cc with 0% deal so paid it off with in a few days of finding I'd been late. this was in nov. I'm now looking to change mortgage will this be bad on my credit check?
0
Comments
-
Check your credit file and see what it was marked as.Censorship Reigns Supreme in Troll City...0
-
just checked using my name & I have a 982 but will this be the same for my hubby or do we need to check his too?0
-
just checked using my name & I have a 982 but will this be the same for my hubby or do we need to check his too?
This score means nothing.
One late payment in itself isn't usually a problem, but if you have more then there will be a cumulative effect. You should check the relevant account data on your credit file to see if there are any late payment markers (basically not a 0 or ?) next to the months.0 -
i think it had a 0 so what does that mean then?
I don't get why we are told to check our credit score if it means nothing?0 -
I don't get why we are told to check our credit score if it means nothing?
Check your file, not your score; i.e. that factual data like payments history/status etc.
The "score" is just the credit agencies guess at how things might look to a lender, and is next to useless as no two lenders ever have the same criteria or concerns. It is a waste of money.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 599K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards