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Loan payment holidays report to credit reference agencies

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Hi guys,


The FCA says lenders SHOULD report the help they're giving you after you've had six months of payment holidays to credit reference agencies.


I have had three months, (during the first lockdown) then resumed payments and have just requested, and have been granted, a further 3 months due to the second lockdown we are currently in.


My understanding is that I am able to get 6 months in total without it reported in my credit file.  Is this correct?  Irrespective the period is consecutive or not.


Why is Zopa going to report my newly agreed 3 month freeze to the credit reference agencies??


Is there anything I can do to avoid this on my credit file?


Thanks so much for your help!




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