clearing credit rating

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ritateece

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Post by ritateece » Wed Jun 20, 2012 11:02 pm
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hi, my name is rita
sorry for troubling you but I really need some help
in 2009 I went into an IVA and in 2011 I settled my IVA
with my letter of completion, what I need to know is this, can I get these defaults off my report early and if I can how do I do this as I have wrote to experian
with no joy and I have a copy of my report and I am abit confused as to how hsbc can keep some defaults on my report and others that were in the IVA classed as settled.
so please could someone help me please as I would like my credit back if I can.
mrs r teece
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Michael Peoples

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Post by Michael Peoples » Wed Jun 20, 2012 11:13 pm
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Everything falls off your credit file after six years so even though you have cleared the IVA you willstruggle for a while to get credit.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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ritateece

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Post by ritateece » Wed Jun 20, 2012 11:37 pm
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thanks so there is nothing I can do oh well
there you go
thanks
mrs r teece
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Kelly O

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Post by Kelly O » Thu Jun 21, 2012 9:38 am
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You can send a copy of your completion certificate to HSBC asking them to ammend the default as it should now show as satisfied or partially satisfied. But the deafult itself will not fall off completley until 6years (so about 2015).
Regards Kelly Osadare Debt Advice Manager at www.pjgrecovery.com (host to www.melaniegiles.com.)

PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
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tonyranks

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Post by tonyranks » Sun Mar 17, 2013 12:11 am
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most people will turn you down if its down to automatic credit scoring
time is always the answer, stay focus and you will reach the end all in good time
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