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sad
- Posts: 8
- Joined: Wed May 07, 2008 8:30 am
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by
sad » Wed Jun 20, 2012 10:15 am
hi all
we finished our iva on the 5th November 2011 with a final offer was accepted, still waiting for our letter to confirm everything, Grant Thornton have said it should be with us by the end of June (Fingers crossed).
Desperate now to get on with my life!!!!!
Can anyone help me with credit ratings, i have a Experian report which shows my credit at 932, but just tried a Noodle one and its terrible, which should i trust, also Im I safe in applying for another credit card, Im not wanting to get into more problems, just as back up when we go abroad later this year,
can anyone help
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plasticdaft
Forum Expert
- Posts: 9562
- Joined: Wed May 21, 2008 12:45 pm
- Location: United Kingdom
The IVA will remain on file for 6 full years from when it started,and this will severely hamper any credit applications.
As for credit card applications,you will have to look for one like the vanquis card(very high APR but can help to rebuild credit scores).
Dont get too caught up in your actual score,its things like defaults and the IVA on file that will do the damage.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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olydak
- Posts: 235
- Joined: Sun Aug 21, 2011 2:33 am
- Location: United Kingdom
Hi check out the Rise Visa credit card, no interest charged, i'm thinking of getting one as i can't get a vanquis, there is a small monthly fee, its good for repairing credit, ive read lots of reviews on money sites about it.
Regards David
