AR - settled last year - adverse effects?

topcat9

Got a phone call this morning from my nice advisor at Barclaycard. They'd reviewed my case and decided to reset my Arrangement to Pay markers since 2009 to show my account was up-to-date. Of course I still have to see this come through with the credit reference agencies but can't see any reason why it won't. Thanks to everyone who has posted on this subject - I wouldn't have bothered trying if it hadn't been for the advice given here!

sirwiggum

topcat9 wrote: »

Got a phone call this morning from my nice advisor at Barclaycard. They'd reviewed my case and decided to reset my Arrangement to Pay markers since 2009 to show my account was up-to-date. Of course I still have to see this come through with the credit reference agencies but can't see any reason why it won't. Thanks to everyone who has posted on this subject - I wouldn't have bothered trying if it hadn't been for the advice given here!

Glad you got a satisfactory outcome!

It should hopefully go to your monthly report through on the next update, though actual lenders will see it once updated, at least in the next couple of days.

Barclaycard are actually surprisingly helpful. Kudos.

greybear40

I have the same situation with 2 studio accounts. I put them both back on normal payment terms from last month as I thought they would look better but have now realised that this doesn't make any difference. For the 6 years previous to this apart from one 1 status and 2 statuses in 2010 they were on AR on Noddle, on Experian the start date of Arrangement shows as 1/10/2010 and on Equifax it only shows 4 years back which is the same so now I have no idea when the arrangement began as Noddle shows it all the way through. They both have balances of 150 and 250 which I could easily clear but want to go for remortgage at end of July and had hoped 6 months of normal payments would look better than the AR status. What should I do? Continue paying as normal or request that they both are defaulted on the date they went on to AR whatever that is!! Will these 2 accounts stop me from being able to get a remortgage?