I stopped paying my credit card in 2010 (but had it cleared last year, CLICK HERE to find out how I did that). In 2012, I went to get an NBI clearance and despite having a very unique name, I got a “hit”. I was a bit anxious but because I needed it, I went back and claimed it anyway. No, I was not arrested. I got my clearance in less than three minutes.

This was a hot topic in my old blog which I let go a couple of years ago so I decided to make another post about it. Some readers would look me up on Facebook and ask for an advice. I am NOT a legal expert but my suggestion then was always to “go claim it”, and I am giving the same advice today.

Unless you are one of my followers, you must have found this post via Google. So, did you also get a “hit” and afraid that it might be because of an unpaid credit card? There may be other reasons why, often because you have a namesake who’s got a record.

If you are really bothered, I recommend that you settle your credit card debt with your bank directly. I did so with HSBC, and it was not as difficult as I thought. They honored my request to settle six years after my card got defaulted.


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