Foggy you are so funny! I agree with you,,re credit score not being worth the paper it's written on- on our experian cf , iva has dropped off, all accounts bar one has been marked as satisfied, everything is in default waiting to drop off next year & credit scores for myself & oh are in the ""excellent" 965, 975 range- doesn't mean anything as all the defaults are on there-
I've left getting onto the other CRA til now as I wanted experian to be up to date first.
Just done equifax statutory online & the iva is still showing on both files for me & oh. I signed up with noddle- iva is still on those files also. The noddle is ok but I would not use it as my main source of "checking up on" as it is not so comprehensive.
I think a booklet needs to published that has ALL of the relevent information & letter templates & addresses & legal rights & everything else in it!!! So it will help all those who are finishing an iva to know exactly what to do next!!
We were just told " your credit score will go back to 0 after 6 years" - of course,,it didn't occur to me that it would be anything less than that simple!!
IVA COMPLETED & CLEAN CREDIT FILE.
An old bible proverb says this: the rich one rules the poor, and the borrower is a slave to the lender.
How true are those words of wisdom.