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Credit Rating Repair?

marc0 · 2011-05-16 15:59:19

Like a lot of people I hit a tough financial patch a couple of years ago and fell behind with credit card payments. Despite approaching the bank early and offering to restructure my repayments (half of the minimum) until I was back on my feet they told me that it was policy to register the account as default with the ICB…

16-05-2011 3:59pm

#1

marc0

Closed Accounts Posts: 1 ✭

Join Date: May 2011

Posts: 0

Like a lot of people I hit a tough financial patch a couple of years ago and fell behind with credit card payments.

Despite approaching the bank early and offering to restructure my repayments (half of the minimum) until I was back on my feet they told me that it was policy to register the account as default with the ICB and to sell on the loan.

I came to a very amicable agreement with the collectors to repay and now find myself in a position where I can look to pay off the outstanding balance and clear the debt.

Does anyone know if this repairs my credit rating or if there is a process/procedure I can follow?

Thanks,

m

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