Missed and late payments can have a negative impact on your credit score for six months or more, so check your accounts.
If you believe there are incorrect account details on your credit report, you can use the ‘Raise a dispute’ link and the information will be passed on to Callcredit, the Credit Reference Agency.
If the information is accurate, but you wish to explain the circumstances surrounding a missed payment, for example, you can add a notice of correction to your file. Use the : post a concise factual statement explaining the circumstances surrounding the missed payment. This notice can be seen by lenders and may be taken into account during any future applications for credit.