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help advice please

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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?

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  • forgotmyname
    forgotmyname Posts: 32,926 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Check your credit file and see what it was marked as.
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  • 2kids1dog
    2kids1dog Posts: 21 Forumite
    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?
  • The_Boss
    The_Boss Posts: 5,858 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    2kids1dog wrote: »
    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.
  • 2kids1dog
    2kids1dog Posts: 21 Forumite
    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?
  • fermi
    fermi Posts: 40,542 Forumite
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    2kids1dog wrote: »
    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.
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