2 x late monthly payments. Does this make me a bad person?!?

hollylab

Guys,

I have just purchased the all singing and dancing Equifax credit report including my credit score. My credit score is a poor 359, this is low because from September 2013 I did not make the full minimum repayments on my CC for two consecutive months due to crap personal circumstances.

How long will this misdemeanour show on my report? Can I ask for it to be removed?

I will ironically have the CC paid off within the next two months, will this help?

~Beanie~

You can't ask for it to be removed, no, as it is a factual record of what happened.. It will remain on your file for 6 years although as time passes it will have less of an impact.

And I wouldn't waste your money on any more 'all singing and dancing' reports as they are a waste of money, your credit score is of no use to anyone and you can send off for the statutory report for £2.

National_Debtline

Hello there,

Just to add to the excellent post from Beanie, we have a useful fact sheet which discusses credit referencing in detail. You can find it here: https://www.nationaldebtline.org/EW/factsheets/Pages/39%20EW%20Credit%20agreements%20-%20getting%20information/Default.aspx

Best wishes,

David @ NDL.