Can anyone make sense of my credit report?

[HelpCreditReport]

I have been working really, really hard to get my credit rating back up to scratch after getting into a bit of mess after leaving an abusive relationship!

I am FINALLY 3 months off paying all my
debts off and having 3 defaults (never had a ccj, debt plan etc just defaulted on some things that I’ve now paid off) go off my credit rating after 6 loooong years

I have had a look at my credit report this morning and noticed that all 3 of my previous insurance (which I have paid monthly for) state ‘settled’. I never missed a payment on any of them, paid them all as planned etc. It says that it’ll stay on my report for 6 years (but clearly shows no missed payments). I have attached a screen shot. Is this ok? I’m worried this will negatively impact my score because it says it on all 3 of my previous insurers.

Thanks

Settled just means it’s paid, it’s fine

Ok thank you! I was panicking 🙈

The zeros above the payment amounts mean no missed payments. Those accounts in the photo are recorded as fully up to date and maintained with no adverse credit history 😊

Thank you! I have just had another look and one of of my accounts (my phone bill) it has a 1 above the amount paid (just for one payment then it goes back it 0) I know I haven’t been late to make a payment I’ve always had direct debit and never ever been late, does the 1 indicate that Experian have been told I’ve been late with a payment?

thanks

Yeah the 1 means 1 late or missed payment, but even if you discuss that with the phone provider and they admit a mistake, that record of the missed payment can’t be removed from your report. But I wouldn’t worry about that as that one missed payment alone for a communications supplier shouldn’t have made your credit score worse