I’ve been off debt review on 2017 in March, now I am trying to apply for vehicle finance and I don’t get a good interest rate due to the debt review, how old will it take for me to be clear of the previous debt review not affecting the interest rate. My credit score does look good but still, I’m affected.
Keep in mind that even though you have received your Clearance Certificate and your credit score is good, credit providers might still have a flag indicating your history on their internal systems.
Those credit providers must also remove those records.
It always remains the decision of the credit provider whether or not they want to extend credit to you. If they do decline your credit application, you have a right to know exactly why they declined it.