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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!

 

Jameson

 

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