Very account credit file update

magpies79

So I have a very account and have like 2 plans that are on interest free plans that aren’t due to end until December no payments are due no payments ever missed but my credit file has just had a update added stating this…

current status unclassified 

This means that the payment status on one of your accounts was updated. This could happen if you had a payment in arrears the previous month, but were up to date on the month of this report.

Is this saying I’ve potentially missed a payment? If someone would help be great as been working on Credit file for last 6 years and have 1 missed payment on there from like 4 years ago and a ccj that’s satisfied and comes off in 4 months so I’m this is worrying me lol

Thanks.

Sorry just to add on my other 2 files Experian doesn’t state any change and credit karma states payments for 3 months but no data for last month.

MorningcoffeeIV

magpies79 said:

Is this saying I’ve potentially missed a payment? 

So no, lol.

It's saying no data was received for that month.

magpies79

Thanks for the reply that’s what it stated on credit Kama no data.

was just the statement on ClearScore that seemed to imply I was potentially in arrears or missed payments that got me a little worried lol

robbo990

Very do not report BNPL as credit (until the interest free period is over) so its reported as Unclassified. If you used Pay In 3 or were paying interest they would report OK or the equivalent.

magpies79

Oh right yeah all plans are on BNPL but the previous couple of months it’s been marked as payments as I’m paying off amounts for the plans.
last month didn’t pay anything then got that message sorry just got me all confused and woke up after a night shift and seen that and instantly thought it was saying missed payment thanks for clearing up