Depending on your circumstances your credit file may be affected by missed/late loan or credit card payments, or continued overdraft excess.
Information reported on your Credit file will vary depending on your payment history or if you have an active repayment plan. If you have failed to make contractual or repayment arrangement payments this could result in a default being registered on your credit file.
A missed payment can impact you now and for up to six years after the original date the information was registered so we recommend contacting us as soon as possible to understand your current position.
To get up to date information on your credit report please refer to one of the three main agencies in the UK: Equifax, Experian or TransUnion.
If you're struggling to make payments help and support is available on our Struggling Financially page this might help you understand what you can do and how we can help.