{"id":3840,"date":"2019-05-09T10:19:04","date_gmt":"2019-05-09T10:19:04","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=3840"},"modified":"2023-08-01T09:48:15","modified_gmt":"2023-08-01T09:48:15","slug":"arrears","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/arrears\/","title":{"rendered":"What is an account in arrears?"},"content":{"rendered":"\n<p>Put quite simply, if you have an &#8220;account in arrears&#8221;, it means that at least one payment is overdue. You&#8217;ll know how many payments are overdue by the marker on your credit report. &#8220;Arrears&#8221; comes from an old French word meaning &#8220;towards the back&#8221;, and it refers to &#8220;falling behind&#8221; on your payments. You may have heard of people falling into arrears on things like rent. It&#8217;s the same with your accounts &#8211; it always means &#8220;this person has fallen behind&#8221;.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/arrears\/#How_do_I_find_out_by_how_much_my_account_is_in_arrears\" >How do I find out by how much my account is in arrears?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/arrears\/#What_are_the_risks\" >What are the risks?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/arrears\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-find-out-by-how-much-my-account-is-in-arrears\"><span class=\"ez-toc-section\" id=\"How_do_I_find_out_by_how_much_my_account_is_in_arrears\"><\/span>How do I find out by how much my account is in arrears?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your account is in arrears by the overdue amount. This means, for example, that if you\u2019ve missed two payments, the arrears will be the sum of the two payments you haven\u2019t yet paid. If you pay this amount, you will be back in the black.<\/p>\n\n\n\n<p>If you frequently have accounts in arrears, then lenders will see you as less reliable. This is because you have made a reputation of paying late. Lenders need to know that they&#8217;re going to make a good return on their investment. Remember: Lenders lend money to make money.<\/p>\n\n\n\n<p>If you can&#8217;t pay consistently, then you present a danger to a lender&#8217;s business. Lenders would rather go with someone reliable than with someone who is more difficult to trust.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-risks\"><span class=\"ez-toc-section\" id=\"What_are_the_risks\"><\/span>What are the risks?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you\u2019re in arrears on one account for more than three months, then you\u2019re in danger of it becoming a default. A default means that the bank has marked your account as being in arrears for a long time. Lenders see arrears as suspicious. They see a default as as bad credit. If you&#8217;re looking to borrow money, avoid a default at all costs!<\/p>\n\n\n\n<p>As with many bad credit records, arrears remain on your account for six years before they drop off.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-ub-content-toggle wp-block-ub-content-toggle-block\" id=\"ub-content-toggle-block-162a3b28-a8c5-440f-afec-3a79bd75c22a\" data-mobilecollapse=\"false\" data-desktopcollapse=\"true\" data-preventcollapse=\"false\" data-showonlyone=\"false\">\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-0-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">Does arrears mean you owe money?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-0-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>Yes, being in arrears means you owe money on a debt or bill that should have already been paid according to the repayment schedule. It indicates being behind on payments. [1]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-1-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">What does it mean to be paid in arrears?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-1-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>Being paid in arrears means your salary payment date is scheduled after the period you are being paid for has ended. For example, January 31st pay for January work. [2]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-2-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">Is being in arrears bad?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-2-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>Yes, being in arrears is a negative financial situation. It can damage credit scores, lead to extra fees, interest charges and legal action if ongoing and severe. [3]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-3-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">What happens if your bank account is in arrears?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-3-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>If your bank account goes into arrears due to missed payments, the bank may report you to credit agencies, charge fees, close the account and initiate debt recovery. [4]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-4-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">Does account in arrears affect credit score?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-4-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>Yes, being in arrears will likely damage your credit score as lenders will see you as at higher risk of missing future payments on debts. [5]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-5-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">How do I get my account out of arrears?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-5-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>Contact your creditor or lender immediately, explain why you are behind on payments, and negotiate a repayment plan to clear arrears and get your account up to date. [6]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-6-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">What does in arrears mean UK?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-6-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>In the UK, being in arrears means you have missed or defaulted on a payment and now owe money relating to a previous period. [7]\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-7-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">What does account in arrears mean HSBC?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-7-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>For HSBC, an account in arrears means loan or credit card payments have been missed or only partially paid, resulting in outstanding debt owed. [8]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-8-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">What does paid in arrears mean UK?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-8-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>In the UK, being paid in arrears means receiving your salary after the pay period has finished, rather than being paid in advance. [9]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-9-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">What does 1 month in arrears mean?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-9-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>Being 1 month in arrears means missing your scheduled payment for that month, leaving you a full monthly payment behind and owing that amount. [10]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-10-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">What is the cause of arrears?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-10-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>Common causes of arrears include loss of income, over-committing on credit, budgeting issues, personal problems, failed direct debits, or disputes with lenders. [11]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-11-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">What does paid in arrears mean universal credit?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-11-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>For Universal Credit, being paid in arrears means receiving benefit payments one month after the period it covers, rather than in advance. [12]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-12-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">How long do arrears stay on credit file?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-12-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>Ongoing arrears may show for up to 6 years on credit files. Paid arrears will show for shorter periods depending on when brought up to date. [13]<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-13-162a3b28-a8c5-440f-afec-3a79bd75c22a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-162a3b28-a8c5-440f-afec-3a79bd75c22a\" style=\"color: #FFFFFF; \">What is the difference between in arrear and in arrears?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-13-162a3b28-a8c5-440f-afec-3a79bd75c22a\">\n\n<p>In arrears is more commonly used. In arrear means the same &#8211; behind on due payments and owing money as a result. [14]<\/p>\n\n<\/div>\n\t\t<\/div>\n<\/div>\n\n\n<p class=\"has-small-font-size\">References:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.lexico.com\/definition\/arrears\">https:\/\/www.lexico.com\/definition\/arrears<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/smallbusiness.co.uk\/paid-arrears-meaning-2539164\/\">https:\/\/smallbusiness.co.uk\/paid-arrears-meaning-2539164\/<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.moneysavingexpert.com\/loans\/debt-help-plan\/#solution3\">https:\/\/www.moneysavingexpert.com\/loans\/debt-help-plan\/#solution3<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.experian.co.uk\/consumer\/guides\/arrears.html\">https:\/\/www.experian.co.uk\/consumer\/guides\/arrears.html<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.moneysupermarket.com\/loans\/loan-arrears\/\">https:\/\/www.moneysupermarket.com\/loans\/loan-arrears\/<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.citizensadvice.org.uk\/debt-and-money\/if-you-cant-pay-your-bills-on-time\/check-if-you-can-set-up-a-repayment-plan\/\">https:\/\/www.citizensadvice.org.uk\/debt-and-money\/if-you-cant-pay-your-bills-on-time\/check-if-you-can-set-up-a-repayment-plan\/<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.stepchange.org\/debt-info\/debt-problems\/in-arrears-on-bills-or-credit-payments.aspx\">https:\/\/www.stepchange.org\/debt-info\/debt-problems\/in-arrears-on-bills-or-credit-payments.aspx<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.hsbc.co.uk\/glossary\/a\/account-in-arrears\/\">https:\/\/www.hsbc.co.uk\/glossary\/a\/account-in-arrears\/<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/smallbusiness.co.uk\/paid-arrears-meaning\/\">https:\/\/smallbusiness.co.uk\/paid-arrears-meaning\/<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.experian.co.uk\/consumer\/guides\/arrears.html\">https:\/\/www.experian.co.uk\/consumer\/guides\/arrears.html<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.nationaldebtline.org\/fact-sheet-library\/arrears-and-repayment-plans\/\">https:\/\/www.nationaldebtline.org\/fact-sheet-library\/arrears-and-repayment-plans\/<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/www.understandinguniversalcredit.gov.uk\/new-to-universal-credit\/universal-credit-and-other-benefits\/\">https:\/\/www.understandinguniversalcredit.gov.uk\/new-to-universal-credit\/universal-credit-and-other-benefits\/<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/debtcamel.co.uk\/debt-options\/guide-to-statute-barred-debts\/\">https:\/\/debtcamel.co.uk\/debt-options\/guide-to-statute-barred-debts\/<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\"><a href=\"https:\/\/legal-dictionary.thefreedictionary.com\/arrears\">https:\/\/legal-dictionary.thefreedictionary.com\/arrears<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"Put quite simply, if you have an &#8220;account in arrears&#8221;, it means that at least one payment is&hellip;\n","protected":false},"author":22,"featured_media":4081,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[324,317],"tags":[432],"class_list":{"0":"post-3840","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-basics","8":"category-credit-score-account","9":"tag-arrears"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/05\/photo-1554224155-8d04cb21cd6c.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What does it mean if I have an account in arrears? | Credit-Score UK<\/title>\n<meta name=\"description\" content=\"&quot;Account in arrears? Quite simply, at least one payment is overdue.&quot; - missing payments on your credit account can be hugely damaging.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.check.co.uk\/blog\/credit-score-account\/credit-basics\/arrears\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What does it mean if I have an account in arrears? | Credit-Score UK\" \/>\n<meta property=\"og:description\" content=\"&quot;Account in arrears? 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