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  • FIRST POST
    • starkiwi26
    • By starkiwi26 8th May 18, 3:08 PM
    • 60Posts
    • 13Thanks
    starkiwi26
    Would late payment to broadband (provider made mistake) affect my credit score?
    • #1
    • 8th May 18, 3:08 PM
    Would late payment to broadband (provider made mistake) affect my credit score? 8th May 18 at 3:08 PM
    Dear all,

    Following MSE for years, I had been very careful on managing my credit score.
    I recently switched to Natwest (£125 switching reward introduced by MSE), all went through just alright, except my broadband (Sky) direct debit.

    Sky said I didn't make the payment, terminated my broadband, which I had to call and resolved it, causing me loss of broadband for 2 days. Sky also charged me late payment fees £7.50.

    I spoke to Natwest, they claimed they informed all direct debit, even print out the information for me. Natwest said it is not their fault, and they cannot help further, it is my responsible to liaise with Sky.

    Then I had to make several complaints, several calls to Sky for this problem. Finally Sky agreed to waive my late payment fee £7.50. I am not happy of "waive" the fee, because the entire incident was due to Sky didn't update my direct debit and cause unnecessary trouble to me (2 days without broadband).

    My big concern is, would this late payment affect my credit score?
Page 1
    • Candyapple
    • By Candyapple 8th May 18, 3:14 PM
    • 2,944 Posts
    • 2,290 Thanks
    Candyapple
    • #2
    • 8th May 18, 3:14 PM
    • #2
    • 8th May 18, 3:14 PM
    Ignore credit scores, they are meaningless.

    Check all 3 CRASs - does Sky report to any of them?

    Experian: www.moneysavingexpert.com/creditclub
    Equifax: www.clearscore.com
    Call Credit: www.noddle.co.uk
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • starkiwi26
    • By starkiwi26 8th May 18, 3:25 PM
    • 60 Posts
    • 13 Thanks
    starkiwi26
    • #3
    • 8th May 18, 3:25 PM
    • #3
    • 8th May 18, 3:25 PM
    Ignore credit scores, they are meaningless.

    Check all 3 CRASs - does Sky report to any of them?

    Experian: www.moneysavingexpert.com/creditclub
    Equifax: www.clearscore.com
    Call Credit: www.noddle.co.uk
    Originally posted by Candyapple
    I checked Noddle, but nothing came up.
    Not sure about experian or other credit score because I could not register and access them.
    • Sparx
    • By Sparx 8th May 18, 3:30 PM
    • 896 Posts
    • 496 Thanks
    Sparx
    • #4
    • 8th May 18, 3:30 PM
    • #4
    • 8th May 18, 3:30 PM
    Sky for TV & Broadband donít report to any CRAs.
    • Gary_Dexter
    • By Gary_Dexter 8th May 18, 4:13 PM
    • 2,080 Posts
    • 1,167 Thanks
    Gary_Dexter
    • #5
    • 8th May 18, 4:13 PM
    • #5
    • 8th May 18, 4:13 PM
    Sky do not report to the CRA's.

    And even if they did, your "score" would not be affected since it's ficticious
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