Hi there, I am about to try and terminate my HP contract for my car with DaimlerChrysler under the 50% rule, but am a bit nervous about what invoking the VT/Section 99 of the Consumer Credit Act will do to my credit rating. I've read some posts where people say ending a finance agreement this way affected their rating and even got them turned down for mortgages 7 years later..! Help? Thanks in advance, Tracy