This is what I'm thinking too. BUT I used to check my CRA reports regularly and from what I can remember I've never seen the loan reported. Do you think they never actually updated the CRA in the first place? I've been doing some digging, they bought alliance and leicester back in the day, my loan is from alliance and leicester. I'm tempted to pay it off in full but if they then update the CRA i'm doomed… Thanks for the previous advice dx.

I've had it so long I'm not sure what the status is. AP arrangement to pay

Possibly dx, but I don't think it's ever been reported. It's been so long. Maybe I can call the CRA see if they have it in my history. Thanks

Hi Mickey, Yes I've checked all 3 and it's not shown or reported. My reports are in good health.

I have a Santander loan which I think is in an AP and has been for years but not recorded on any CRA’s It was previously in a DMP after paying all my creditors two years ago I only had Santander remaining, but because of the amount I couldn’t settle the Santander loan at that time. They never contact me regarding the loan I just pay the amount via fast payment every month, in the past I’ve missed a month but still get no response from Santander. I’ve never signed any paperwork regarding the AP requirement after the DMP or agree on a fix payment plan. I just agreed on the phone I would make payments every month. IF I pay the loan off will they then update my CRA to settled (which is good) but record this as a AP (not good). Which will then disturb my credit score (or will it)? I’m in the middle of a mortgage application and don’t want to see any changes to the CRA files. My concern is IF I leave the loan unpaid but continue the AP payments I’m worried that they could default me at any time. I've been paying this loan for 7 years..... Maybe it best not to disturb the beast. Thanks