Arrangement but NO Arrangement

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I admittedly was late on a few payments on my Santander credit card.  I ran a credit report on three separate agencies and on two of them these late payments are showing as Arrangements.  How can this be he case when I haven't not agreed anything with them.   Interestingly on the third agency they just show as late payments.

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  • MorningcoffeeIV
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    There's no practical difference between arrangement and late.  

    Unless you want to push for a default, leave it.
  • ldm123
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    There's no practical difference between arrangement and late.  

    Unless you want to push for a default, leave it.
    actually there is.  My mortgage lender will accept a late payment but not an arrangement. 
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