AR vs DF

Firenet

Hi, New to this forum and need some guidance.
I have a unsecured loan from what was Northern Rock and a mortgage which was known as Together mortgage which most people are familiar with. My question is regarding the unsecured loan and how it is reported to the CRA’s.
I have had an agreement in place to pay an agreed token payment since January 2014, which, is renegotiated every year, but, on my credit file the debt is marked as 6 AR every month for one year and 6 BB every month for one year, alternating each year.
My question is, would it be better to leave it at that or ask the creditor to put a DF mark from January 2014?

Thanks for any help

[Deleted User]

A default would be preferable, given the timescales.

[Deleted User]

Well the current reporting status is correct.

The only way you can default on it is if you stopped making payments altogether causing the account to then go into default.

So there's no real reason for them to change it

Firenet

Thanks for the replies