How will missed payments affect my credit file?

Missed payments and any agreed arrangements may impact your credit file and show on there for six years. They can have a varying impact on your Credit Rating and your subsequent ability to obtain credit.

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If you took a Payment Pause with us, prior to 31 March 2021 due to temporary difficulties as a result of the Coronavirus pandemic, whilst your arrangement remains in place, your credit file won't be negatively impacted and any fees and charges accrued during this period will be removed.

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To speak to any of the credit reference agencies, they can be contacted using the following details:

www.equifax.co.uk or 0800 014 2955
www.experian.co.uk or 0800 013 8888
www.transunion.com or 0330 024 7574