Imhotep wrote:Well, nothing in section B about a caution.
In the meantime, I'm still listed on the Insolvency Register with a note saying 'Completed'. Yeah, it has almost been a month but I just want to see my name off it.
Experian I get a whopping 999/999 already.
Equifax have it still listed "You have had at least 1 public record in the last 6 years". Months since last record entered: 81. Err... isn't that longer than six years?
I've asked for it to be removed as it is completed. They checked, and agreed. Should be off within the next 4-5 days. Should bump up my Clearscore from the current 388.
Callcredit / Noddle seem to be way behind. Still showing as active. I've disputed it and sent off a copy of my completion certificate (the first one I've had to send off so far).
Hope this is of use to people nearing the end or completed their IVAs.
999 on Experian means they can't give an accurate score for some reason. Noddle were great with me, once I had a friendly word in their ear (not a complaint, just a query, during which I gave them the benefit of the whole saga:-) ) and they cleared my report practically overnight.
At least the IVA is showing as completed, which indicates that they have been told about it -- it should drop off in a couple of months.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
To contact Noddle click on the “Dispute” button which you’ll see at the bottom of each indivudual record on your credit report. Once you have opened a dialogue your world is your oyster
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Yes, I hate those drop downs -- never give you the option you actually want. I just pick one and carry on, then hope for someone helpful to reply and open a dialogue
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Foggy wrote:Yes, I hate those drop downs -- never give you the option you actually want. I just pick one and carry on, then hope for someone helpful to reply and open a dialogue
Did not get anywhere. Rang CallCredit and explained. Reply was "Noddle is online only, you cannot speak to people, you have to email".
Hmm... not impressed with Noddle. IVA still showing as Active, despite me sending them a copy of my completion certificate
(which they received a week ago, sent recorded delivery). I've just chased it up and asked why is it still listed.
Equifax have sort of taken it off, but under their 'Credit Score' tab I can still find it. "You have had at least 1 public record in the last 6 years" (Months since last record entered 81) - I think they need a calculator.
Clearscore list it as being 'Discharged'. But should it really be visible at all?
Hmmm -- mine disappeared completely --- no reference to it in any way that I could see. Noddle cleared the board overnight, even anticipating a few of the default dates.
I guess it is like my tussle with the Insolvency Service over the Register entry at the time ... it depends on who picks up your email at the other end !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Bit of a result. My Equifax score has jumped from 388 to 493 (rated 'Excellent') and all mentions of my IVA have been removed.
Just waiting for it all to filter down to Clearscore now.
Noddle have assured me that the IVA information will be removed from my next report (in six days).
I'm still on that damn Insolvency Register though, one month down two to go
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
In hindsight I wish I hadn't signed up to Noddle and Clearscore while still in the IVA. There really is no point, your credit rating is pretty much shot.
My wife waited until after completion and there isn't even a whiff of it anywhere.
