Hi I was wondering if some on could help me please I had a payment that was due on the 25th November and was late paying this (silly I know) turns out there wasn’t enough in my bank and when I found out it was too late and made the payment 1st of December! I have now checked my credit file and they have marked it as a missed payment seriously damaging it :( should I dispute this on my credit file as I know it was late but not dramatically that being said I thought there was a grace period before it being marked on file I just don’t want this messing up my chances in the future and I’m really worried.
TIA
TIA