@experianexperts Late Payment reporting

[Pearl123]

Hello,

Onmy credit file I have late payments against my mortgage (lost my job but now inemployment:whoo:) showing:

1(month late)

1(month Late)

2(months late)

3(months late)

3(months late)

3(months late)

Doesthis reflect as 6 months late? because on the front page of my Credit File thisis adding 6 late payments to “Number of late payments in past 12 months”.

The6 late payments for my credit card show as months 1, 2, 3, 4, 5, and 6. Thismakes more sense to me.

Anyinsight appreciated.

Pearl123

[BRIGADIER2JCS]

The number of payments late in 12 months is the correct picture.

All depends what format of reporting the individual creditor uses.

[Pearl123]

Hi,

 

I notice on my Credit File that British Gas are reporting my Gas and Electricity accounts and updating monthly, I'm not in arrears and have never been.

 

Is this normally shown on a Credit File?

 

Thank you

Pearl123

[ims21]

Two threads merged and thread tidied.

 

Pearl, you have asked the same question 4 times, three in the original thread and then you started a new thread and asked it again.

 

You only need to ask it once.

[Pearl123]

Sorry about that, my dongle connection was playing up and I didn't see my question appear so assumed connection went off-line and didn't update.