Credit Default from Bank

[Castro]

Canvassing opinion here as not sure what to do.

Annoyingly I got a £10 bank charge on an account I rarely use a few months ago. Unfortunately I hadn't twigged it had put me £10 in debt with them and has now shown up 2 months in a row on my credit report as a missed payment

I've never missed a payment before so my credit rating has taken a knock. I've paid off the £10 now so it won't happen again so hopefully my score will start slowly increasing again, but do you think I should speak to TSB and see if I can get the credit default removed? Is it likely? Is it worth it for a £10 missed payment? I don't know how much the value of an unserviced debt affects it?

Or should I just leave it and hope the impact is minimal? I don't need any credit now but I don't want this to bite me in the arse when I need to do a 0% balance transfer shift, or get a new 0% spending card. At the moment I think my chances of getting a 0% spending card are nil, but if I can get one in a year I won't mind.

 

[Jon]

Honestly, I can't see a £10 default having THAT much damage on your credit score however there is no harm in talking to TSB and there are lots of 'free trials' you can use to check your credit score and see if it's been impacted.

I've defaulted on things before (like a standing order I forget existed or something) and from memory can't remember it having any sort of impact on my credit rating.