My loan was sold to a Solicitor by the Bank of Ireland around 3 years ago. It was 16k and I now have it down to 10k. Does anyone know how long that will effect my credit rating for - will it be forever? If 5 years, when does that start from, the date my loan was sold or the date I have finished paying the Solicitor? Also is there any need to stay paying the Solicitor if my Credit rating would never improve from it or if it wipes out after 5 years anyway?