FAQs - Your questions about coronavirus

Will my payment holiday have affected my credit score?

Sam Wooller, Customer Experience Communications Manager
Thursday, 30 April 2020

If a payment holiday is agreed, we won’t report any account changes to your credit file whilst payments are frozen. This means you shouldn’t see a long-term negative impact on your credit score if payments return to normal after the payment holiday.

Your credit score could still change over your payment holiday period, as there are a wide range of factors that we do not control that could impact your score. But do not worry if you see an impact , this is because we are in the process of adjusting your credit score, but we will amend it as soon as we can.