What is...


A Delinquent, in credit terms, is credit slang for a customer that does not pay on time. A delinquent account is one that is, or has been, reported with late payments of 2 months or more and will subsequently have a negative impact on your Credit Rating. This will be displayed in the payment history of your Credit Report.

Will a Delinquent account appear on my Credit Report?

While negative repayment history will appear on your Credit Report, including any late payments, arrears, or defaults, the term ‘Delinquent’ is unlikely to appear. Often on Credit Reports these harmful accounts are instead referred to as ‘Adverse’ accounts.

You can check the status of your credit accounts as reported by Equifax, Experian, and TransUnion by using checkmyfile. Our Multi Agency Credit Report collects your data from all UK Credit Reference Agencies, ensuring you don’t miss any important pieces of information.

If you haven’t already, you can try checkmyfile free for 30 days, then for just £14.99 per month.

What does a ‘D’ on my Credit Report stand for?

An account with ‘D’ reported against it is likely to refer to the account being in Default, which will have a serious impact on your overall creditworthiness. It doesn’t stand for Delinquent.

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