I'm currently in the process of applying for my first mortgage. I took out a new credit card recently and have just noticed that I neglected to set up a direct debit (I've done so now!) which means I'm going to be about 4 days late on my credit card payment.
My credit card up until now has been very good - so my question is, wil lbeing 4 days late on a credit card affect my score at all? I'm getting conflicting advice - some sources say late payments dont get reported to the credit agencies until they are 30 days late, others say they blight your record straight away. The thought of being turned down for a mortgage on the strength of being 4 days late on paying a bill is pretty upsetting so all thoughts much appreciated!!
Thanks a lot :)