Your personal data is used in connection with automated credit decisions to detect and protect offences such as fraud, money laundering and collection purposes. For more information on this subject, see the Sky Privacy and Cookies Notice. The value of your file displays only the current balance at the time the file was created. It is not harmful to your credit file. It`s just one outstanding credit or standard credit (multiple missed payments) that can be detrimental to your credit file. This is an opportunity to build your payment history with Sky Mobile and does not help your creditworthiness or other credit applications from other providers. We send your credit file updates once a month on the same date and time.