London and the South East have one of the mildest climates in the UK, but the weather can be unpredictable. Londoners get used to carrying both an umbrella and sunglasses to be prepared for all eventualities! Summer can be very pleasant with temperatures averaging 18Â°C (64Â°F) and often into the low 20s.
Your best bet is to get a personal contact at the company that has the power to erase the late payment from your credit report. If all else fails, try as many different communication methods as possible. Call, mail, fax, live chat (if your servicer offers it), and email them.
According to a study from credit score company FICO, a single 30-day late payment can drop a good score (around 780) by 90 to 110 points. To keep your score from this type of pitfall â and to help improve your credit â letâs break down everything you need to know about your payment history.