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.
In this case, the late payment can show up on your credit report and be factored into your credit score. Late payments will be listed on your credit report depending on how late they are: 30 days late, 60 days late, 90 days late, 120 days late, 150 days late, or charged off. But how much of an effect does one late payment really have on my credit score? The degree to which a late payment may affect your credit score can depend on multiple factors.