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Equifax - what does "Special Arrangement" mean?

461 Posts

Morning all,
EON have suddenly decided to start reporting my fixed energy deal payments to Equifax (18 months after the contract started, but whatever...).
EON have suddenly decided to start reporting my fixed energy deal payments to Equifax (18 months after the contract started, but whatever...).
I took a look at my report via Clearscore today and unlike all my other credit accounts, which show as "Active", the EON one shows as a "Special Arrangement", and so far shows one on time payment (and previous months as "not available")
I can't find a definition anywhere of what this term means - googling always brings up results for arrangement to pay, which this clearly isn't, and would be Baaaaaaaaaad if it was interpreted this way if I ever needed credit again.
And while I know it's a made up marketing number, it's nonetheless vaguely interesting that my score dropped from the maximum 1000 for the first time ever.
I can't find a definition anywhere of what this term means - googling always brings up results for arrangement to pay, which this clearly isn't, and would be Baaaaaaaaaad if it was interpreted this way if I ever needed credit again.
And while I know it's a made up marketing number, it's nonetheless vaguely interesting that my score dropped from the maximum 1000 for the first time ever.
Any ideas? If it's nothing to worry about and just how Equifax shows utility accounts then fine, but it's the first time that I've had gas/electric on any of my credit reports so better to be safe...
thanks
Arty
thanks
Arty
0
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Replies
But honestly. I get it. Credit scores and all that. A black art of the CRA marketing department. I'm simply curious that when it drops for the very first time, ever, and on the same day a new credit account is added to my file, with a heading of "special arrangement" then it's not entirely unreasonable to wonder if there's a hint of something a bit wrong.
So if anyone can offer a view on what this "special arrangement" tagline means, I'd be most grateful...
Who has made that arrangement and why haven't they let you know?
Either phone or email. I'm with Octopus and I have to say that they DO respond quickly to messages and last time I phoned (last month) they answered the phone promptly. Hope it's the same with E.On. They're the ones who can tell you what it's all about.
If anyone calls me 'special' I want to know why I'm so special. Contact them and ask them what they're on about and to amend on your credit reports, if necessary.
It's what I would do.
On that basis, it's an unfair marker
My account is only in debit £200, which is actually down to E.ON underestimating my bills and a broken smart meter, which they previously admitted in writing is their fault. A couple months ago they reached out to increase my direct debit because of this and apparently this constitutes an arrangement to pay and they don't want to remove it.
Really annoyed and not sure what to do. I've never missed or made a late payment or had any debt in my life and now I've got this on my credit report for 6 years......