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I'll try to clarify the situation on 3. All financial institutions regulated under CBSL are required to report the status of the credit facilities granted by them to their customers. The data reported includes, facility status - regular (i.e. <90 days overdue), irregular (>90 days overdue), number of days overdue, Active, Settled, Restructured; facility type (loan, overdraft, bank guarantee, LC, Import Finance...); whether borrowed under your own name "OWN" or you have been a guarantor "GRT", along with the identification details of all related parties to the loan - borrower (NIC/BR), Guarantors (NIC/BR), Co-Borrowers (NIC/BR), sometimes Directors' NICs of a company. As was correctly stated above, the report provides the credit history of an entity (person/company) for a period of 24 months (usually 23 or 22 months due to reporting delays) so even if an overdue/NP status has been cleared 24 months ago, it would still show up in the CRIB report. In your case, if you have CRIB issues as you have not paid your own loan, that is bad. But then again, you have not told us whether your loan is in NP (i.e. >90 days overdue), or if its only a few days overdue. Financial institutions usually have a tolerance for the number of overdue days. So generally, unless your loan is in NP, you should still be able to obtain a credit facility. However, the interest rate charged for a person/entity with a clean CRIB will likely be less than for a person with a troubled credit history. This is the case all over the world. OTOH if you have guaranteed someone else's loan and it is in NP, this is usually tolerated to some extent by financial institutions as long as your own borrowings are in a regular status. Contrary to popular belief, it is actually good to have a credit history (at least credit cards) then to not to have any credit history at all, as financial institutions can gauge your repayment capacity and financial discipline when you have a credit history as opposed to a person without a credit history. I would strongly advice you to bring your own loan facility to regular status ASAP. With an irregular CRIB, the possibility for you to borrow, to become a co-borrower or a guarantor is minimal, and you actually become useless from a credit perspective. If your loan is NP, speak to the institutions concerned, explain to them why you cannot meet the monthly payments and request them to restructure the repayments in a manner you would be comfortable with given your income.