6 years up, now what?

[littlefi]

Hi all, don't know if you remember me, I did a full and final about 4 years ago, but now the day has come as of 6th June my 6 years is up!

So I have ordered my Experian and Equifax credit reports. I think there's another one I need to order. The Equifax is showing the IVA at my previous address. What do I do now? I want to crack on with clearing things. I was lucky I got a mortgage so my credit itself is not looking horrible but obviously not good with the IVA still showing, Any help would be much appreciated.

Also a quick note to those going into and IVA, it helped me IMMENSELY, I lost a business in the recession but as a sole trader it was down to me. I thought we would never recover, but we did, it was hard at times but definitely worth it!

Thanks all, Fiona

[Foggy]

Hi

Have a read here:

https://www.iva.co.uk/what-does-an-iva- ... dit-record

And also have a look at my latest blog entries ( link in my sig, below) where I went through this barrier recently.

Call Credit is the missing agency on your list

The CRA's have contact details on their websites -- I found dealing with them by email to work very well -- and Call Credit were very good and also helpful.

Onward and Upward

[littlefi]

Thanks so much! I just emailed you too, I'm happy to share my story!

[littlefi]

Is callcredit also Noddle, I'm registered with them, is it the same thing?

[Ryan]

Fiona,

Yes Callcredit/Noddle show the same information.

Good news that your 6 years is up.

Regards

[littlefi]

Thanks Ryan, it's been a long time but an end of an era and that's good!

[Foggy]

Is callcredit also Noddle, I'm registered with them, is it the same thing?

Yes, Noddle is powered by Call Credit, and a very helpful bunch too

[Lisa Thomas]

You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/