Keep signed loan agreement or sanction terms, repayment schedule and payment ledger, copies of notices sent to the primary borrower, current reports from the relevant credit bureaus in one folder for this case. Name files with dates and retain original PDFs where possible.
| Record | Use it to verify | Why keep it |
|---|---|---|
| Signed loan agreement or sanction terms | Whether you are co-borrower, guarantor or another documented obligor | Lets you challenge the exact field, charge, date or obligation. |
| Repayment schedule and payment ledger | Which instalments are actually overdue and when they became due | Protects the decision if a portal, account screen or verbal explanation changes. |
| Copies of notices sent to the primary borrower | Whether the lender has reported the same delinquency to every bureau | Separates a written fact from a sales statement. |
| Current reports from the relevant credit bureaus | Whether you are co-borrower, guarantor or another documented obligor | Creates a dated record another reviewer can verify. |