Late payment

essjaytee

Jennifer_Davey wrote: »

If i had the statement i would've known it was due and paid it! I always pay everything off on payday/end of the month!!

Not looking for criticism, i know i'm in the wrong. I'm just desperately trying to find a way to avoid the negative credit mark.

Very statements are produced every 4 weeks not every calendar month so if you keep paying on your payday you are going to keep missing more payments!

If you have registered for online statements check your spam box or the contact details you have given Very as they do email and text every time a statement is produced.

Jennifer_Davey

Hi all,

I got a letter informing me of the credit increase, but no contact regarding that May statement!!

Jennifer_Davey

I have just read a bit on experians website that say that companies won't usually report a late payment until its 30 days late?

custardy

I just logged into Very (I dont really use them)

On the account home page.
Next statement date
Payment due and date its due
Do you pay online?

Jennifer_Davey

I do pay online! Didn't receive statement so logged on and realised it was over due then paid full account balance, 12 days late!

m4rc

I'm not sure it will cause you much if any problems, are you in desperate need of credit in the next few months? If not just forget about it, any lender looking at your account in 6 months time will see lots of ticks and just one late payment, it's unlikely to spook them. You have probably put too much thought into it, it's not a default, it's not a CCJ, it's one late payment, and in all honesty it was paid late. It may be annoying but it's not a lie,but as you said it's less than 2 weeks late. Get a note added to your file and forget about it

tomxlisa

The best thing to do is to keep regular contact with your online account with very and you shouldn't miss paying the bill by the due date, I know when my statement date is so I always log on just after this to see when the payment needs to be in by, unfortunately this is a human error as we all forget from time to time but shouldn't do too much damage to your report, it's only one late after all.

custardy

Jennifer_Davey wrote: »

I do pay online! Didn't receive statement so logged on and realised it was over due then paid full account balance, 12 days late!

right....... So you are likely set up for paperless,like myself.

Jennifer_Davey

Nope! I still recieve statements... including the one informing me of a credit limit increase. Which seems crazy considering not two months ago they've marked me negatively credit wise..

Gordon_Hose

Very are reporting factually correct information, to change it would be against guidelines.

End of the day, regardless of alleged missing statements, you made a late payment. That is a fact.