Coming of arrangement with barclaycard

ollie007

My financial position has changed a bit and I have been on an arrangement to pay for my 3 barclaycards for 3 years. I can know afford the minimum payments and set about reparing my credit position. Has anyone had any experience of barclaycard when they have gone back to the contractual rate?

I do intend to write to them and try and get the AP off my credit file for the last 3 years.

grumbler

ollie007 wrote: »

...I do intend to write to them and try and get the AP off my credit file for the last 3 years.

Don't waste your time.
It's your credit history, and nobody will rewrite it unless it's factually incorrect.

Flish

Pay it off as quick as you can and wait for time to drop the negative history off, that's about all you can do

dumpyboy

I was on an arrangement to pay with a Barclay loan and barclaycard 2007 to late 2009 went back to normal payments settled both in 2011 one July and one December they returned them to normal payments no problems both show settled in green on experin just the payments made from jan 2008 to October 2009 have the ar monthly marker all the rest ok tilled settled, mbna on the other hand still show red with ar monthly ten months after the last payment, as a footnote the barclaycard returned to 19 .9 percent down from 39.9 that they put it it up to September 2007 .

Thrugelmir

ollie007 wrote: »

I do intend to write to them and try and get the AP off my credit file for the last 3 years.

History has been written. It's factually correct.

ollie007

It's just that I've seen threads about successfully removing AP marker as they should have defaulted at the time?

PaulW922

An arrangement to pay is not a default though.

You can always ask but I cant see them agreeing because the point of CRAs is principally to record how you have managed your credit. As such the AP marker is very relevant. You may be able to get the balance marked as settled and a new agreement taken out of the rest - but you will need to speak to barclaycard.