Does a credit report take into account amounts?

sjc1000

I put a £2 payment on a credit card a few months ago just to activate it, then promptly forgot about it as I didnt need to use it. I then moved house a few weeks later, and told everyone other than that credit card company. The first time it even crossed my mind was three months later - I paid off the balance no problem, but now of course have a big red mark on my credit report.

Its completely my fault, and I shouldnt have forgotten about something so silly. But is that mark going to stay on my report for just as long as it would do if I had defaulted for three months on £1000? Im looking to buy a house next year, and I would be slightly miffed if after months of carefully putting away thousands of pounds I ended up being scuppered by what could be the most ill advised chocolate bar purchase of all time!

Tixy

Yes the entry will stay on for the same amount of time regardless of the amount. Potential lenders will be able to see the amount of the debt though.

Is it showing as defaulted (with the a default date shown), or just showing as 3missed payments?