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.
If you have a payment that is more than 30 days late, your creditor may report it to the credit reporting agencies (CRAs). 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.reditors normally only report late payments greater than 30 days late or greater to the Credit Reporting Agencies(CRA). You still may be charged a late payment fee, but that is only between you and your Creditor,not CRA.