Welcome back steve1984.

DAS and debt management operate in similar ways. While your wife hasn't specifically been in a debt management plan, it doesn't seem like her status is being particularly misrepresented in this respect.

Credit reports are reporting against the original contractual lending terms, so reporting that an account is in arrears also seems accurate even if the DAS payments have been kept up to date.

The usual six year rule applies. So any record of the DAS itself will fall off six years after it began. Any account reporting will also fall off six years after it was applied.

The exception might be if default notices have been issued - those accounts should fall off the credit report six years after the date of the default notice (which could be sooner than six years after the debt was cleared). Unlike with trust deeds, I'm not aware of any obligation for default notices to be issued while someone is using DAS.

Hi again.

Sorry I'm not very good at understanding this stuff.....

So do you mean a red dot on her barclaycard account for April 2018 will take 6 years to fall off (i.e April 2014), or do you mean it will all fall off 6 years after the 1st red dot on June 2011?

There is no actual mention of a DAS on her account (in the way that the TD are mentioned in the specific section of the credit report if that makes sense

Hi steve1984.

If there's no default notice issued, I'd expect a credit account (and all associated status reporting) to remain on the credit file for six years from the date that the balance was fully repaid.

Some credit reports do include a specific reference to a DAS being put in place - they seem to vary in this respect.