Thanks for the reply. On my credit file, the status is marked as Settled, although this is then detailed below as partially settled. I could be wrong due to my lack of knowledge but would the fact that it is marked as 3 months in arrears add to the issue? The 3 months in arrears is quite annoying as there was not a monthly payment required, and I have never missed a payment on any account. I am aiming to apply for a mortgage before the end of the year but as my file sits at the minute I believe it would be extremely unlikely I will pass until July 2017 when this removes. Again, thanks EDIT: On credit file the sections for date last delinquent and default date is blank so I am assuming it is not defaulted?

Hi, I had an account a number of years ago with Halifax. It was a 'cash card' account with Visa Electron. Originally this was my main account but then I got a standard current account also from Halifax. I moved to France for a year and when i was away the Electron account went overdrawn by approx £80. there was no interest or charges associated with this and I left it with the intention of returning the account to 0 and closing it. By time I moved back to the UK and went into the Branch to close the account I was informed that it had been closed. The assistant in the branch told me the debt was written off. As I was a 21yo student i did not understand the implications of this, but now i am encountering problems. The Halifax account appeared on my credit file in June 2011, and in July 2011 was closed showing as 3 months in arrears and partially settled. I would like to fully settle this account as it is the only blemish on my credit history, but as this is 4 years ago and I know that it will be removed in 2 years I am unsure of whether to do so. If I fully settle now will the account still be removed from my credit file in 2 years or will it 'reset' the 6 year 'life cycle?' Any advice would be appreciated. Thanks