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How bad is one late payment?
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Lauren555_2
Posts: 21 Forumite
My partner and I are planning to start the mortgage process in a few months. I have a pretty spotless credit history, but my partner made a late payment on a card a couple of months ago. He paid it as soon as he realised - it was silly absent-mindedness that caused it - which was a day or two later.
As far as I am aware this is the only late payment. How much of an issue is this likely to be?
As far as I am aware this is the only late payment. How much of an issue is this likely to be?
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I would doubt it would have any effect at all, especially if you otherwise show a history of having and paying for credit.
Besides there's not much you can do about it now, apart from abandoning any plans to purchase a house over a 2 day late repayment. Just forget about it and set up a direct debit to cover at least the minimum in future.0 -
Good point! He has now set up a direct debit, so it won't happen again. Good to know though. he was feeling very guilty about it.0
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Do you know if it was reported late on his credit files? It may not have been given that it was a late payment rather than a missed payment?0
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Not sure yet - he's tried to get his credit report from Experian, but he has to wait for a PIN to be sent to him in the post (not sure why, as I didn't).0
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