I have a late payment flagging up on my credit report from back in October 2014 I'm currently trying to apply for a mortgage is there a way I can get this removed I haven't had a single missed payment before or after this?
Hi
I'm really sorry to hear this.
I feel the best thing for you to do is send Tesco Bank a 'Private Message' so this can be checked out and an appropriate response can be provided.
Click on this link and it will take you to a page, 'About Tesco Bank'.
Towards the top right of the page in the blue panel click onto 'Send a Message'.
A new page will open up, 'Create New Message'.
Complete it and send your message securely and privately.
Please include your full name, date of birth and postcode.
Hi
I’m pretty certain that this cannot be removed, but as this was over 5 years ago, there should be. no problems with your mortgage application.
If you wish to receive formal confirmation please send Tesco-Bank a private message.
Please Click on this link and it will take you to a page, 'About Tesco Bank'.
Towards the top right of the page in the blue panel click onto 'Send a Message'.
A new page will open up, 'Create New Message'.
Complete it and send your message securely and privately.
Please include your full name, date of birth and postcode.
You will receive a reply to your private message with confirmation.
Good luck with the mortgage application, I’m sure you’ll be fine.
Kind regards, Chris,
Good evening , Given it's almost six years ago I would speak to your mortgage lender and see if they too can help; as time passes 'negatives' such as a late payment tend to have less of an impact. It's also worth pointing out that around November/December 2020 you will see this removed from your credit files. You can use Credit Karma, Clearscore and the MoneySavingExpert Credit Club to view your reports for free.
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Community superstar
24-09-20 18:39Hi
