Credit Rating

katiejc

My partner went overdrawn by £21 in January, he was charged £75 by his bank which he only just discovered. Having phoned them, they've said it's an issue at their end and have refunded him the money. However, they said that the £21 will show up on his credit check, which we're doing on Friday in the hope of getting a mortgage asap. Is there any way we can amend the situation? Will it even be an issue being such a small amount and the fact it's only happened once? Also - he realised instantly and transferred money from another account over within the hour. But I don't know if this shows up on the statement! Really worried now! :eek:

Dave_Ham

Depends upon the detail if this hurts you or not.

Two biggest variables are proposed lender and how this issue manifests itself on his credit reports.

Good luck