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How do I make sure I don't miss a payment?

To make sure you do not miss a payment on a credit account, consider setting up a Direct Debit for at least the minimum monthly payment or for as much as you can afford to repay. When moving to a new house, it is important to inform your lenders and ensure that they have your new forwarding address so that you don’t miss any payments. You should also check to make sure you have paid any final bills.

You should speak to your lenders or a debt charity if you are struggling to make your repayments to look at what steps and advice could be put in place to support you.

If you hold lending products with Ulster Bank and you are struggling financially, you can find more information about the support available to you on our dedicated struggling financially page (opens in a new window).

Will a repeated missed payment affect my credit score?

Yes. Multiple missed payments will affect your score more than one missed payment. Missed payments will have a different impact on each person's credit score depending on the situation.

It's important to make your repayments on-time and make efforts to recover accounts that you have previously missed payments against. You should also speak to your lenders or a debt charity if you are struggling to make your repayments to look at what steps and advice could be put in place to support you.

If you hold lending products with Ulster Bank and you are struggling financially, you can find more information about the support available to you on our dedicated struggling financially page (opens in a new window).

What can I do if I don't think I've missed a payment?

We’ve partnered with TransUnion, one of the UK's leading credit reference agencies, to provide your credit score.

If you know which lender might be reporting the missed payment, you should contact them directly to discuss the situation.

It's important to make your repayments on-time and make efforts to recover accounts that you have previously missed payments against. You should also speak to your lender(s) or a debt charity if you are struggling to make your repayments to look at what steps / advice could be put in place to support you.

Please consult TransUnion's FAQs (opens in a new window) to discover how you can find further information about your credit report.