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Anonymous User
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Payment not authorised - Credit Rating



I am unable to find the answer anywhere on the forum or online.


I signed up for Now Cinema for 2 months on an offer (£1.00 per month). 

The payment for the second month was due to come out but I no longer use the account I originally paid the first £1.00 on and so the payment has not been taken. I have since cancelled the pass now as I haven’t used it enough anyway.


what I wanted to know is does that technical missed payment effect my credit score in anyway? It wasn’t missed because I didn’t pay / have the money - it was the payment account was no longer accessible.


I don’t want something this minor to effect credit rating as “missed / late payment”.