Quick Halifax question

sirich99

Hi guys

Does anybody know when Halifax report to the CRA's? I have been told that they will report at either the start or the end of the month.

Can anyone be more specific?

The reason I ask is I accidentaly missed a credit card payment due to a cancelled DD (Not cancelled by me). Payment was due on 8th Nov, I didnt realise until 17th Nov...made an immediate payment and contacted Halifax to explain situation. They have refunded my late fee and assured me it will not be reported to the CRA's. The sceptic in me would like to keep an eye on my CR's to double check and want to know when to expect it to appear if it is going to.

Thanks

thebritishbloke

If you're not planning on applying for any credit, don't worry about it. Just check it in a month or so.

SuperHan

My Noddle updated today, and the last reported balance for my Halifax CC was the balance I held between 21st and 31st October. My statement date is the 20th of the month (so also today).

So, there appears to be a maximum 30 day delay in reporting, but that will also be impacted by your Noddle/CRA report update day.

phona

As the person who told you it's usually the start or end of the month, I don't understand why you started a new thread to ask this rather than replying to your old one... I would've come back and answered you know!

I had a look at my Noddle report and it says it was updated 30/09 so the end of the month. This report was generated on 7/11 and notice it hadn't got the end of October update yet; this can take a while.
I would suggest you check your file sometime in the middle of the month. SuperHan got his 31st Oct update today, so maybe the 20th is a good bet

By the way, in your older thread the reason I didn't expand on whether it was the beginning or end of the month for the particular lender was because it doesn't actually matter. If you think about it, the start and ends of months are only a day apart; if they reported on the 1st Nov instead of the 31st Oct that's only a day!

YorkshireBoy

sirich99 wrote:

Payment was due on 8th Nov, I didnt realise until 17th Nov

IIRC, Halifax give you until the next statement date (ie only 3 or 4 days after the previous statement's payment due by date) before reporting a missed payment to the CRAs. With the dates you've posted, I'm guessing you didn't realise you'd missed it until they told you on your next statement?

talk2alex

Just come across this thread, as I've posted something sort of similar myself (with Tesco CC, but I fortunately found out on the day that I'd missed it)...


I may be a little dense, but what is My Noddle report? I am intrigued!


Thanks

talk2alex

Don't worry. Just googled it