How do I get my credit score in the black after an IVA ?

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JayneMatthews

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Post by JayneMatthews » Tue May 21, 2013 11:40 pm
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How do I get my credit score in the black after an IVA? Ours finished last January, but we didn't actually receive our completion certificate until last October.
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Foggy

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Post by Foggy » Wed May 22, 2013 7:41 am
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Useful article here:

http://www.beatmydebt.com/iva/improving ... er-iva.htm
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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TylerMorganClaimsLtd

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Post by TylerMorganClaimsLtd » Fri May 24, 2013 1:06 pm
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by JayneMatthews

How do I get my credit score in the black after an IVA? Ours finished last January, but we didn't actually receive our completion certificate until last October.
Jayne,

I suggest you obtain your Equifax file and check that
1) Your IVA doesn't show in the Court section if it commenced more than 6 years ago.
2) No Notice of Correction exists relating to the IVA.
3) All defaulted balances don't have a value greater than £0.

If a balance is wrong, you need to get the creditor to correct it, this will change your records with the other CRA'S as well.
The reason for using Equifax is that they add Notices of Correction about your IVA finishing, the others don't.
David Woodward
Tyler Morgan Claims Ltd
9 Pike Hills Mount
Copmanthorpe
York
YO23 3UU
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