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.
Looking at this chart again, we can see that late payments that are 30 days past due will drop a 900 point credit score by as much as 90 points and a 60 day late payment can cause a 105 point drop. Meanwhile, payments that are 90 or 120 days late will drop a 900 point credit score by roughly 100-160 points.