Thank you for your comments, I will know soon so not much I can do to change it at this stage. More annoyed with the fact that I was told it would not have any impact on my credit score by Lloyds when it is quite obvious to me now that it does.

Hi, I recently agreed with Lloyds TSB to have reduced loan repayments for 6 months, I asked the lady at the call centre would this have any bearing on my credit report, her words were '' only with Lloyds TSB '' . i have just checked my credit report with Equifax and to my surprise I see 1 month arrears (I never missed any payment as an agreement for reduced payments put in place) and 5 Arrangements to Pay Icons.

I am a bit confused as to what to do next, I am about to settle the arrears and will very soon be in the position to apply for a mortgage.

Will the arrangement to pay on my credit file cause any serious impact on me getting a mortgage approval?

Is there anything that I can do to rectify the situation?

If anybody has any advice or experience with this your comments would be much appreciated.