Would just like to say that the credit agency's have been really helpfull in trying to get it sorted quickly and have been emailing me about what's happening.

Baldy.

Hey thanks Foggy!!! Yes it's good news about car. Still running our budget though!!! It's probley the most important aspect of the IVA process that will stay with us. I've actually told a couple of mates at work who I really trust about the situation we were in and one of them has asked me for some ...

Hi. Have calmed down a bit now!!! Spent 1.5hrs talking to Experian.The guy was really helpful but could NOT take it off!!! He went through everything and spotted an issue with a Halifax account. I've made a complaint to Experian about loading up information that they are taking at face value that it...

Going to ring Experian at 9am to ask them to remove the default. After all they clearly said that I can manage my credit score, and I can clearly prove to them that the default which was added on over the weekend is incorrect. If they refuse, could I take them to small claims court because I had put...

SORRY SO ANGRY.

THAT SHOULD HAVE SAID:

NOW THIS ACCOUNT ON MY RECORDS THAT THEY SENT ME IN OCTOBER THE ACCOUNT HAD THE CORRECT DATE OF....27/10/10

NOT 27/11/2010!!!!!!

having a credit check done tomorrow for a new car. Invested £14.99 in Experian so I could check that everything is ok. Checked it in October2016 to check that all the default dates were correct. One default date was a few days out, due to come off on the 4th Nov2016. Our anniversary date was 27th Oc...

It's a joke Foggy eh.

They have b***** loads of time to sort things out.

Baldy.

I know I'm being impatient but I have just got a reply from the insolvency register regarding the 3 months to wait to then be removed.

They said it's 3 months so the credit agency's have that amount of time to update their records!!!

Baldy.[;)]

Just remembered!!!

Luna: How long did you have to wait to come off the register?

Thanks

Baldy.

Hi Lunan.

That's really great news!!

Am I right in saying that you cannot get a higher score then that?

We have two weeks to go for 6 year anniversary. I'm really hoping it all falls off and we get a good score!!

Well done.

Regards

Baldy.

Hi everyone.

Just wondered if anybody knows why your IVA has to stay on the register for 3 months after finishing?
We finished in Aug 2016 so looks like another month to go I guess!!!

Baldy

Hi Luna. Many congratulations on finishing!! Like yourselves we were with Stepchange and it was a fairly stress free ride!!! A few hiccups along the way with car etc and me being very impatient towards the end!! But yes a great feeling to have finished. Just waiting for everything to sort its self o...

Hi,thank you very much for all of your replies. Its a great help to us. I did pay the £2 for report from Experian and i felt that was money well spent. Funny....since finnishing the IVA in August all i seem to wish for now is the end of October to arrive and everything to drop off!!! I like your rep...

Hi everybody, hope everything is going ok for everyone? So.... nearly 2 months out of IVA!!Feels really strange still. Nice not to hand over extra income to them!! Our 6 year anniversary date will be on the 27th October 2016 and i wanted to know will all our defaults fall off on the November report?...

Hi everybody. I had a look on the registry yesterday and our status has changed on that to: Agreement Finished. So at least in know they have been given the up to date information. Piglet: That sounds like well good service to be updated that quick. It looks like the key thing for us is going to be ...