[an error occurred while processing this directive]

Get your FREE Experian credit report and score!*

CreditExpert Logo

  • Free Experian credit report*
  • Free Experian Credit Score*
  • Free email and text alerts
  • Dedicated UK based call centre

Checking your Experian credit report will not lower your score!

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

* Monthly fee applies after trial, new customers only. You may cancel your trial anytime during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Find out how to protect yourself from identity fraud and what to do if you're a victim.

Is missed payment likely to hurt my chances of getting a mortgage?

Dear James,

Hi, I was just wondering, if I have got a missed payment on one of my credit cards, does it jeopardise the chances of me getting a mortgage? I would like to take out a mortgage in a year’s time as that is when I would like to buy my house. Will a missed payment still have an impact on my report by then.

Priya, London

Dear Priya,

A missed payment is certainly not going to help you get a competitive mortgage. Lenders check your credit report to see whether you’re likely to keep up payments on any credit they give you. If they see late or missed payments on credit agreements with other lenders they may worry that you will miss payments to them too. Late payments will certainly hurt your credit score, meaning that any credit you do manage to get might cost you more money. However, credit scores weigh up lots of different pieces of information and if everything else on your report and application form is favourable you might be ok. You really need to make sure that you don’t miss any further payments, so set up direct debits where you can. It’s fair to say that most lenders focus on your most recent payment history. So next year when you give a mortgage lender permission to check your credit report, a solitary missed payment from over a year ago is probably unlikely likely to worry them very much. You might consider checking out your Experian Credit Score to get an idea of how lenders are likely to rate your credit report. Good luck.

James Sign

[an error occurred while processing this directive]
  • © 2017 Experian. All rights reserved