Hi everyone. Sorry that I haven't posted for so long.
I have just over a year to go before I have completed my IVA. I have recently joined Credit Expert(Experian)so that I can see my credit report. My IVA is on there but my overall Credit Score made me smile. It isn't 'Very Poor' or even 'Poor', it is 'Fair' (738). I find it a bit strange as I expected it to be Very Poor. Is this right?...not that that I am complaining [:)]
Last edited by Busybee on Sun Jul 18, 2010 9:45 pm, edited 1 time in total.
Quite agree. Wouldn't worry about your record at all until after IVA is completed.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I think that when I looked there were defaults registered after my IVA approval date. Is it worth doing something about them now or do i need to wait until my IVA is completed which is October next year? I have to have SC clearance for my job. My current SC clearance expires in 2012 (10 year cycle) so when I redo it I would have completed my IVA but my IVA will still be on my credit file...feel a bit anxious as no one knows. I think from reading previous posts that providing I admit to it on my application I should be ok...just dreading anyone finding out. Nearly 4 years on and I still haven't told a sole.
Wait until after completion, then write to those creditors and tell them to remove the defaults.
Your IVA will be on your record for a further 12 months anyway so no real rush.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
