Just a quick question. Trying to clean up my credit report. Will the amount of times i search my file cause my score to drop? I know it shows the searches under other and not credit searches but just wondered if i was causing myself problems?
I don't think it matters if you search it as you are not a firm checking for ccedit.
I used to check mine frequently and it made no difference.
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 always used to keep an eye on mine, especially after I had a couple of cards cloned. I registered with CIFAS and will do so again once the IVA is finished. I'm always wary of things these days and do like to keep a close eye.
I don't bother at the moment as nobody will be able to get credit in my name.
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
Ha ha, Mine was 4 and then dropped to 0. Beat that low score lol.
Then I found out that I had dropped off the electoral role for some reason so that must be worth 4 points....
Hopefully those precious 4 points will appear back soon!
Last edited by herbekj on Thu Jul 14, 2011 3:44 pm, edited 1 time in total.
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
checkmyfile.com was quite useful as it gives info for all 3 agencies in one place.
My credit scores were 651 Call Credit, 534 Experian, 222 Equifax. I'm guessing it's prob cos my IVA shows up only on my Equifax record (including the paper versions).
In any case i think i'd still be screwed if i applied for anything lol.
Last edited by animaleyes76 on Thu Jul 14, 2011 4:00 pm, edited 1 time in total.
On a positive note, at least my credit score can only go one way now
Last Payment - November 2011 - Completion Certificate received 2 weeks after last payment, Removed from Insolvency Register within 4 weeks after last payment.
I have to admit to never looking at mine, I know I must when my IVA~ is over and will do to try clear it up but hoping you guys will be around to guide me as I've not a clue at what I'm doing or looking at x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I'm not really bothered - because me and hubby will he OAP's either during or just after the IVA completion then we're not likely to need any credit.
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
