Arrears status
Debt, arrears & collectionsA label on your credit file showing an account is behind on payments.
Overview
Arrears status can appear as levels or codes on your report.
It shows lenders how far behind you are.
Why it matters
- It can reduce your score.
- It can trigger defaults or enforcement.
- It affects borrowing costs and access.
FAQs
How long does arrears status remain?
It remains as part of your payment history for several years.
Can it be corrected?
Only if the reporting is wrong.
Related terms
Take control of your credit health
Get the complete credit toolkit — all features included.
Start building creditInstant setup. No credit check. Cancel anytime.