Credit Rating

If you have ever missed a payment under a credit agreement or secured loan an adverse entry will have been made on your credit file.

 
Judgments, default notices, reduced repayment offers, Individual Voluntary Arrangements and Bankruptcies are also registered on your credit file and is likely to result in an impaired credit file, which might adversely affect your ability to secure borrowings or financial services in the future.

Even if you are able to do so  such products and services may be at an increased cost or less favorable terms.

 
All credit information is kept on your credit file for 6 years.

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