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Missed Energy payment
Quillsnpens
Posts: 24 Forumite
Hello All
Not sure if this is the right board or the Mortgages one would be better, but here goes.
I moved in to my rental property about 18 months ago and as part of the move I changed electricity suppliers to the best deal I could find in the market.
However for the first 1 month or so after i moved in, that the property was with the old supplier, it built up a balance of GBP 20 which I never knew about or paid. Suddenly this balance is showing up on my credit report this month as being outstanding and I immediately contacted the company and paid it off (don't know why it took 18 months to appear on my report).
My question is how much impact would this have on a Mortgage application I am planning on making in a year or so (given these things last 6 years). I otherwise have a pretty clean record. Credit cards and all other utilities all paid in full each month and have never had any other debt at all. Deposit size will be c10% - 12%
Appreciate that each lender is different but wanted to know other things being equal how worried should I be with this.
P.S After conducting inquiries and looking at past bills I am confident the debt was legit, so don't want to spend time disputing that.
Not sure if this is the right board or the Mortgages one would be better, but here goes.
I moved in to my rental property about 18 months ago and as part of the move I changed electricity suppliers to the best deal I could find in the market.
However for the first 1 month or so after i moved in, that the property was with the old supplier, it built up a balance of GBP 20 which I never knew about or paid. Suddenly this balance is showing up on my credit report this month as being outstanding and I immediately contacted the company and paid it off (don't know why it took 18 months to appear on my report).
My question is how much impact would this have on a Mortgage application I am planning on making in a year or so (given these things last 6 years). I otherwise have a pretty clean record. Credit cards and all other utilities all paid in full each month and have never had any other debt at all. Deposit size will be c10% - 12%
Appreciate that each lender is different but wanted to know other things being equal how worried should I be with this.
P.S After conducting inquiries and looking at past bills I am confident the debt was legit, so don't want to spend time disputing that.
0
Comments
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What's it marked as?
Late payment?0 -
I think it is a missed payment.
On clearscore - it says things to improve "missing payments" and the only new items i can see is a utility account being added this month and it has a balance of £20. Does that help. sorry i'm a little clueless in this regard.
thanks0
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