AP's

QuietOne

When you arrange an alternative amount to pay each month due to affordability, say pay half of what you are supposed to each month. Is that classed as an AP and should be marked on your file as AP?

The reason I'm asking is because I just went through my credit file and I saw Home Learning College on there and in Dec I had £200 remaining with them and asked if I could pay £50 for four months instead of the £100 in 2 months.

Should they marked my file as AP? Because I have green 'Up to date' markers.

stclair

Yes that would be correct as you have "arranged to pay" a different amount.

QuietOne

stclair wrote: »

Yes that would be correct as you have "arranged to pay" a different amount.

Should I contact them about it? Or leave it as it is, the way it stands now it makes my file look better.

happy_bunny_2

If they are showing up to date, leave it. AP markers are not good.

They ought to really tell you if they agree to something that will be marked as AP.

QuietOne

happy_bunny wrote: »

If they are showing up to date, leave it. AP markers are not good.

They ought to really tell you if they agree to something that will be marked as AP.

My final payment was in January so it's been nearly 4 months now. I guess if they wanted to add AP markers, they would have done it by now. I will leave it. Looks better for me

Thanks happy_bunny