Natwest AP Markers/late payments

[Helppls]

Hi

 

I have been looking at my credit report recently. I have four active accounts, all green, so no problems there but I have one settled account (a loan with Natwest settled Nov 12) which was over a period of seven years and has a couple of late payments on it and in 2011 had one AP marker. How detrimental will this be to my file and obtaining future credit.

 

I am not looking to obtain credit right now as I have a couple of defaults to fall of over the next couple of months but am working on improving my credit report.

[BRIGADIER2JCS]

If if the debt/account is marked settled it's ok marked satisfied would indicate a default so this should not cause any problems.

BUT just because defaults are removed it will not initiate a dramatic improvement in your ability to obtain credit, as you as you say it is a question of building a credit profileover time.

[Helppls]

Thanks for your reply Brigadier. Yes, the account is settled and noted re the defaults. I have been rebuilding credit over the past couple of years and will continue to do so once defaults drop off.

[BRIGADIER2JCS]

Well done, sensible!!!