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Does the length of time that my payment was overdue affect my credit score?

Yes, it can. Late or missed payments will have a different impact on each person's credit score depending on the situation. In some cases, a payment which is 90-days late can hurt a credit score more than a payment which is 30-days late, for example. It can take up to 16 months to recover from a missed payment.

It's important to make your repayments on-time and make efforts to recover accounts that you have previously missed payments against. You should also speak to your lender(s) or a debt charity if you are struggling to make your repayments to look at what steps and advice could be put in place to support you.

If you hold lending products with NatWest and you are struggling financially, you can find more information about the support available to you on our dedicated struggling financially page (opens in a new window).

How do I find out more information about a missed payment?

We’ve partnered with TransUnion, one of the UK's leading credit reference agencies, to provide your credit score.

If you know which lender might be reporting the missed payment, you should contact them directly to discuss the situation.

Please consult TransUnion's FAQs (opens in a new window) to discover how you can find further information about your credit report.

What impact will a missed payment have on my credit score?

Missed payments will have a different impact on each person's credit scores depending on the situation. There are some rules which can help you determine the impact:

  • A payment which is 90-days late can hurt a credit score more than a payment which is 30-days late
  • Multiple missed payments will affect your score more than one missed payment
  • A missed payment will have the biggest impact on your credit score when it's first reported. As time goes on, the impact to your score should decrease providing that you are maintaining your repayments across all credit accounts

A missed payment will be visible on your credit file for up to 6 years, and it can take several months to recover your score following a missed payment.

It's important to make your repayments on-time and make efforts to recover accounts that you have previously missed payments against. You should also speak to your lenders or a debt charity if you are struggling to make your repayments to look at what steps and advice could be put in place to support you.

If you hold lending products with NatWest and you are struggling financially, you can find more information about the support available to you on our dedicated struggling financially page (opens in a new window).

What is the difference between "You've recently missed some repayments" and "You've missed some payments"?

Missed payments will have a different impact on each person's credit scores depending on the situation. There are some rules which can help you determine the impact:

"You've recently missed some repayments" is in relation to a payment missed within the last reported month. "You've missed some payments" can appear for up to 6 months after the missed payment was first reported to the Credit Reference Agency.

It's important to make your repayments on-time and make efforts to recover accounts that you have previously missed payments against. You should also speak to your lender(s) or a debt charity if you are struggling to make your repayments to look at what steps / advice could be put in place to support you.

If you hold lending products with NatWest and you are struggling financially, you can find more information about the support available to you on our dedicated struggling financially page (opens in a new window).