Credit rating/ payment day late/ mortgages

rsjg80

Me and my partner are in the process of saving for a deposit and have spent sometime getting credit reports in spotless condition.

Unfortunately tonight my gf has logged on to her Very account and realised she is one day late with a BNPL from 12 months ago purchase. They have charged £128 interest immediately. She's now paid the bill, interest included.

Now the cost is obviously ridiculous but that's not my main concern - has this just screwed up all our hard work and we're back at square one and six years wait due to being one day late?

If I have to pay £100+ for being a day late then I'll have to live and learn but the idea this has screwed up a house purchase terrifies me.

[Deleted User]

It's one late payment - not a CCJ.

Check your files in a month to see it is appears. You may have got lucky. If it does, it will lose its impact the older it gets.

Dobbibill

It depends which date in the month they report to the CRAs.

One day late, you will probably be scrape through by the skin of your teeth, but £128 is an expensive lesson.

As advised, check your/their file in a month or so.

DCFC79

Main concern is has she learnt from this experience and use a calender to make a note when payments need to be made by eg 4 days before.

your credit rating isn't seen by lenders just yourself so don't worry about it dropping.

Depends what leeway Very use, 1 day late they might not bother reporting it, keep an eye on your files and see if it gets reported.