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Credit Rating

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  • 02-11-2007 7:16pm
    #1
    bekz09
    Closed Accounts Posts: 14 ✭


    Hi, does anyone know if you can repair your credit rating - i had 2 joint loans in the past - my partner defaulted on his share - so i ended up paying both loans off early myself. unfortunately - my credit rating is affected and i cannot get credit anywhere. Is it possible to contact the lenders and ask that they remove these bad debt records from my name,(as a gesture of goodwill and all that...) given that I paid them alone? is there anything i can do? except wait 6yrs for them to be automatically erased?


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    #2
    BuffyBot
    Registered Users Posts: 24,924 ✭✭✭✭BuffyBot


    I would highly doubt they'll remove them I'm afraid. You'll most likely have to wait this one out.


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    #3
    bekz09
    Closed Accounts Posts: 14 ✭bekz09


    thanks for that.. partly guessed I was grasping at straws.. i guess i'll just have to save the amount i would have being repaying if i was given credit


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    #4
    jhegarty
    Registered Users Posts: 6,440 ✭✭✭jhegarty


    Very little chance they will remove it ... but won't cost anything to ask...


    For a little good news , its 5 years not 6...


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    #5
    bekz09
    Closed Accounts Posts: 14 ✭bekz09


    jhegarty wrote: »
    Very little chance they will remove it ... but won't cost anything to ask...


    For a little good news , its 5 years not 6...

    well that's some good news I guess! - I've one year down already - so only 4 to go..... :eek:


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