A couple of months after taking a CU load (about 6k) in 2014 I had a 9 month period of unemployment. I was able to keep the full payments going for a period but when it was becoming unsustainable I made contact with them looking explaining the situation and they suggested a period of reduced payments which I happily agreed to. After about 6 months of making that agreed reduced payment I picked up new work and had the arrears paid off with a month or two and killed off the rest of the load early.Last week with a view to looking for a mortgage I applied for the ICB report and was quite shocked to see that period of 6 months show up as being in arrears. This was never mentioned by the CU at the time as a consequence and I, maybe mistakenly, thought that once a proactive engagement was made before there was ever trouble with a repayment and the new agreement was fully fulfilled it would not have impacted my credit history. Upon contacting them now, while they acknowledge not mentioning the impact on the ICB history at the time (have emails in correspondence), their line is a 'scan' of the accounts is automatically sent to the ICB irrespective of the 'reduced payment' agreements. Had I known this would have been the impact of the reduced payments I could have and possibly would have been able to source help from family and friends. The ICB website does say where errors with the lender are concerned: "your lender might have agreed to let you postpone payments for a period, but forgot to change the report it sends to ICB." My question is are this CU correct in its interpretation of the agreed reduced payments still amounting to the account being in arrears - from my conversation with the CU and what I can pick up on the net its not 100% clear to me what the golden rule here is.