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Teenip
- Posts: 1
- Joined: Tue Jul 05, 2016 8:02 am
- Location:
Hi
This is a first post for me, I have found this forum to be a great source to get me through my IVA.It was been a long five years, have been with Wilson Field, and they have been great, got my completion certificate through on Saturday. I not sure how and where to go to start repairing my credit any advice will be greatly received.
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ginger323232
- Posts: 544
- Joined: Thu Jan 10, 2013 12:31 pm
- Location:
Your IVA and defaults will remain on your credit file for six years. 1st step is to find out whats on their files. Obtain the £2 reports from each credit agency.
All the defaults should be marked now to the start of your IVA- If not send a letter and copy of your completion certificate to Data controller of each company (NOT CUSTOMER SERVICES) requesting this information to be updated
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wannabedj
- Posts: 327
- Joined: Tue Mar 09, 2010 11:37 am
- Location: United Kingdom
Hi Teenip
As ginger said, obtain your credit file from the agencies. Check the Insolvency register:
https://www.insolvencydirect.bis.gov.uk/eiir/
IVA and defaults will remain on your file for 6yrs.
I sent my CC off to all 3 agencies and 2/3 removed the IVA straight away. Had to phone Equifax a few times but thats been removed now.
Here's a few links of what to do after IVA:
http://pjgrecovery.com/clean-up-credit-rating.asp
http://debtcamel.co.uk/repair-credit-record-iva/
Hope this helps
This site has been fantastic for me going through the IVA. And everyone is friendly and always happy to help with any worries/issues you have going forward. No matter how niggly the worry, someone will be able to help.
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