AR MARKER ON CREDIT FILE

harsxx

wonder if anyone can give me some advise please? I recently signed up to check my file website and had the shock of my life. It's made me I'll with worry all the threads I have been reading about Ar markers on credit file. I was hoping to apply for a mortgage in the near future now I believe I will never have a chance of owning my own home. Anyway here goes. 2014 water company issues me with a ccj. Fair enough . After ccj I was on a payment plan making payments every month it has an Ar marker 2015 they issued me a default.  I was still making regular payments every month even though I had a default on my account. They said if I was on a payment plan for 2 years they would match my payments and take me off the plan. 2019 default settled however they continued with an Ar marker on my credit file up until april this year when I got my water bill and it said I owed more than 1k. I thought wait a minute I have been paying 50 pound per month for the past 5 years and when I signed upto this 2 year deal they said the account debt would be wiped off after 2 years as they was supposed to match my payments.  Plus 2019 when default was settled they should of put me on a normal account as my account was clear. However after the settled default up until april 2020 there is an Ar marker on my credit file. It's only up until april this year because that's when I phoned them to tell them that debt should of been wiped off my account years ago. They agreed to wipe the debt and put me on normal terms paying 44 pound a months since april. When I look at my credit file its showing orange Ar markers since March 2019 date default was clear and then from April this year green ticks. It still would of been orange markers now if I didnt ring in April.  In my mind them orange markers shouldn't be there at all from 2019 as the account was settled.  I have tried ringing them but they are not getting what I'm saying. 

[Deleted User]

The default is all that matters.  The account will drop off 6 years from when it was first applied.

Just ensure the account is marked as settled at the appropriate time. 

harsxx

Deleted_User said:

The default is all that matters.  The account will drop off 6 years from when it was first applied.

Just ensure the account is marked as settled at the appropriate time. 

Thanks but the default was 2015 settled 2019. After 2019 up until april 2020 there is an Ar marker and the Ar markers are going to be on my account now until 2026. What I'm saying is when the account was settled 2019 my account should of been brought upto date therefore no AR markers should of been on my account from 2019. Just dont know what I'm going to do now as we was just about ready to apply until now I'm hit with further adverse on my account waiting to come off. Apparently AR markers stay on your file for 6 years

[Deleted User]

The AR markers won't be on your file until 2026, as you defaulted in 2015, so everything drops off in 2021.