T . Terms revisited .
( Borrower and lender agree to revise the terms of the account , The account and profile are frozen at this point showing the outstanding balance and a new account is set up with an opening balance equal to the closing balance of the original account )
If you 5 years keeping to revised terms and if after 5 years the T is still there and you require credit , the new lender should enquire about the T, but if you are good for 5 years , it should nearly be a plus point .