Poor repayment history and late repayments

Repayment history information, such as whether you make your credit card and loan repayments on time as well as any variation of repayment arrangements as a result of financial hardship will usually be recorded on your Credit Report. One late repayment – depending upon how late it was – probably won’t significantly impact your creditworthiness. But several late payments can indicate you are in financial stress and may make credit providers wary of providing credit to you.  

Because they are not licenced credit providers, telecommunication companies and utility providers can’t list information on your Credit Report unless you are 60 days or more overdue with a payment.