Credit report confusing.

Barcafan11

I have just received a copy of my credit report from icb, and to say it's a little confusing is an understatement. I consolidated 2 loans into one about 5 years ago and was having difficulty with a couple of payments. It has all been sorted out and I am still in the process of paying it off, as the bank were very understanding of my situation.

I had agreed a weekly sum until the loan is paid off, however long it took. I still have about two years to go but since I restructured I haven't missed a single payment. Now according to the most recent payment profile codes on the report I am 4 months in arrears. Surely this is a mistake is it not ?

Or is it saying that I'm in arrears simply because it has exceeded the original 5 year term of the loan. There is no credit score on the report either. The bank is going to call me back tomorrow to discuss the issue.

I have applied for car finance a couple of times through different finance companies and was refused on 3 occasions.

Any advice anyone. ???

dudara

Moved to Banking & Insurance & Pensions

dudara