Missed payment by 12 days. Will it affect my credit score?

[lm3]

Hello, I didn't have direct debit set up, and missed the monthly payment by 12 days. Will it show up on my credit report? Does anyone know how this works exactly by any chance? Thank you.

[Andrew-G]

https://www.experian.co.uk/consumer/guides/late-payments.html

In summary, if it's a one off, it shouldn't matter.  If it's with other late payments or credit concerns it'll be the big picture that counts. 

[Paul_DN]

Hi lm3,

Thank you for reaching out to us in our community and welcome, I had a look at your account using the details we have for you and cannot see any previous issues so as advised as this is a one off there wouldn't be any problems.

If this was to show on your credit file you can  send an email to creditfileamendments@virginmedia.co.uk with your account number, name, contact number and the service address, the company that you used to view your credit file and any specific details related to the credit file enquiry, our support team will respond within 14 days of receiving your email.

Kind regards

Paul.