Late payments show up on credit file?

zudecke

Hey guys,

I'm told that late payments appear on ones credit file. Is this the case for payments that are 2-3 days late?

I ask because on my Noddle credit file, I can see I have a couple of markers (for a now closed account) that say "payment was up to 1/2/3 month(s)" late.

However, I know I've been late settling another credit card account in October by like 6 days.. But on my Noddle account is says "OK" for the month.

Just wondering if this will also read "OK" to a potential lender - not that I'm looking for credit - just curious.

Thanks in advance,

Z

Tixy

Potential lenders wouldn't see any more than you.

At their discretion many lenders don't report a late payment if it is settled either just a few days late, or before they next send the monthly update to the credit reference agencies.

They can report it but often choose not to (although are more likely to report if someone repeatedly pays a few days late).