Response to Blacklisted situations

Louise,

As I understand, it is for 6 years, after which period, in theory, the "black mark" drops off your record. However, I don't know when the 6 years runs from, the date of accrual of action, sale of repo'd property, end of 12 year limitation, after death etc, etc. Perhaps someone else does ? There is a section on "Blacklisted" on the Repo site which lists certain lenders, though you need to be very very careful when dealing with subprime lenders. I would recommend you obtain expert advice for this. I would suggest you take a look at the advice on this website too: http://www.debtquestions.co.uk/advice_creditrepair.php If you try and find out your credit rating from Experian, Equifax etc, I believe, this can flag up any possible outstanding debt to a debt collector. Good Luck.

Mark.

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