All creditors that allow you to pay your commitments monthly will report to credit reference agencies that you have either made or missed your payments. This is what builds or affects your credit score.
Missing payments on any financial commitment regardless of whether that be a utility bill, mobile phone to credit card or loan accounts, these will all be recorded on your credit file, and the more missed payments you have recorded against you the bigger the impact this will have on your credit score, and the longer time it will take for your credit score to recover.
The best way to not miss payments is to ensure that you have direct debits set up for all your commitments, and the best date to set them up for is the day after pay day, this will ensure that you have sufficient funds available, so no missed payments occur.
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