credit file

[acsn]

Wish I hadn't now but I stupidly checked my credit file online a few days ago. And what a mess.

Not only were defaults being added 6 months after the IVA but when someone bought the debts they then went on to default the same debt again but with a later date. So some are showing twice for the same amount but with later default date.

Wonder if this will continue as other debts are sold on.

I understand that these defaults will remain on record for a full 6 years. So it looks like they'll be their for almost 18 months after the IVA is concluded and for almost a year after it's removed.

It's been a tough first year but it seems the creditors managed to well and truely make sure the future is just as tough.

Happy New Year

[cr15py]

How do you go about doing this (i.e. viewing your report), and is it free?

[acsn]

Its free for the first 30 days but you need to set up debit card details when you register.
It's depressing reading , personally I wish I hadn't bothered.

http://www.creditexpert.co.uk

[Soulgrowth]

The positive side is that it is positive viewing ... because you can't get anymore credit [:)]

Debbie ... whose motto in life is "it's not what you see but what you look for" [:)]

www.familyceremonies.co.uk

www.soulgrowth.co.uk

[Lisa2009]

Just had a go of that. Mine came up squeaky clean and hubbys.......well LOL lets just say its bad but there are a lot more closed than defaulted.

mrs skint

[Martin2011]

I've been tempted to look but suspect I'd come away feeling like ascn..... also, I was told that the number of searches on a credit file also registers negatively and didn't want to add to that....

Martin

[Lisa2009]

Hubby and me both recieved an email off them saying that after the 30 day free trial is complete they will start taking the monthly ammount out of our accounts...OUCH!!!!!!
Does anybody know how to cancell this before they start taking money we cant afford? I emailed them but had no reply [:(!]

[Skippy]

I did it a while ago and I emailed them to say that I didn't want the monthly report and if I remember rightly they emailed me about a week before the 30 days was up.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[Lisa2009]

Phewwwwwww thanks skip xx

[acsn]

Sorry just logged on

You can email with your username or
you can call them on 0800 656 9000 as well. They're really nice. they cancel it with no problems.