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.
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.