My understanding is that these 'AP's are nearly as bad as defaults. I wrote to experian who confirmed that these markers don't exist on my file whilst they have been placed on my equifax file. My 'credit score' works out at 928 (experian) 467 (equifax) - go figure! I also never entered into a written or verbal 'arrangement to pay' with IF. Will be filing with MCOL next week.

Thanks. Perhaps wanted some reassurance. Anybody in the process at the moment?

C'mon 9 views and no responses?? Am I covering old ground or is this sooo easy that it's not worth commenting on?? I've done the search on the forums and haven't found any solid answers!

I've recently gone through my credit file with the 3 agencies and noticed on my IF loan accounts they have consistently recorded AP (Agreement to pay) when the payments were a few days late mainly because I didn't have enough money to pay on time because of there bank charges. I've successfully claimed back £1800 from them and calculate an additionional £400 since my last claim. My retrospectoscope obviously says I should have done both at the same time. Is it appropriate for them to record AP instead of late payment on my file when I did not enter into such an agreements?? It looks like the AP is having a significantly detrimental affect on my credit score. How can I get this info removed?? Has anyone been successful doing this with IF? I'm so hacked off with them that it's now my mission to slay the Ba$tards. Words of wisdom from this great forum would be highly appreciated. Do I start a new claim for the a refund of charges and removal of adverse info or should I pursue the adverse info on it's own? Many thanks.