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Pre Default payment plan


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Hi

 

I appreciate there are loads of threads regarding QQ pre default payment plan, but couldn't quite find the exact answer I was looking for.

 

QQ have said I am eligible for a pre default pay,met plan but to contact them 5 days before my due date. There service and offer can't be faulted, however I just wondered whether this type of payment plan affects your credit rating? And appears on your credit file as defaulting payments or late payments??

 

Also, how badly would a DMP affect your credit rating??

 

Thanks for any advice

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