Hello, My IVA dropped off my report this month but my score is still really poor on both Noodle and Clearscore (not got the proper reports yet). They accounts included in the IVA were all still on there last month- marked as closed or settled- all have gone now apart from a NatWest one which still s...

I contacted the Insolvency register a few weeks ago as I expected my name to drop off 3 months after the completion date, but they responded (very swiftly the next day) to advise it would come off 3 months exactly from the date they are notified of the completion and that this automated. In my case ...

Thanks Ryan!

Thanks Ryan, from looking online it may be really difficult to remove it, would it make a difference removing it rather than just letting it drop off when applying for a mortgage? Will be looking to apply towards end of next year 6 months after IVA and the ccj are off the credit report?

I was never asked any details about the car throughout my IVA, but it may have been because I didn't own it outright at the start of the agreement. I would recommend trying to keep the car as a reliable car will really take the pressure off during the 5-6 years of the IVA as it can be really hard wh...

Thank you

Thanks for the replies, I think just better request the details loft he CCJ from the government register and see if I can get the evidence to have it removed. From looking on-line it looks like it does get removed from the credit files after 6 years but I would rather have other corrected I think. B...

Thanks! Where would I find thier details? I'm finding it quite difficult going though all the old accounts again and he prospect of speaking with the creditors again- I had put it all out of my mind really for the last few years. The defults are first registered at the time of the IVA then every mon...

Hello, my second post today! I have completed my IVA had the certificate ect and now looking at credit reports. All my accounts in the IVA look marked as settled and closed apart from a Natwest current account. Should I contact them to update thier records? The report states it was last updated only...

I have recently completed an on my IVA and had the completion certificate and details now removes from Insolvency register so now looking at repairing credit reports. I know until the IVA the comes off the report at the 6 year point in a few months the score will still be low but I got a basic repor...

Thanks for the info, hopefuly will be ok!

Hello All, I have just been offered a new job and will be given a company credit card for travel and fuel expenses. I'm not 100% sure which card this will be but I think the company issues Amex Green corporate charge cards. I'm in an IVA will threre be a credit check for the card? Will I fail it? It...

Hi, I'm year 5 of an IVA, out of curiosity checked my credit report online and noticed a search from my IVA company Creditfix a couple of months ago. Is this usual for them to check my credit file? We have had correspondence from Just Lending regarding year 5 equity release (only in Initial email), ...

Thank you, I thought that would be the case. I phoned and they said to send in new pay slips which I will. Can see the end in sight now so just want to make sure nothing goes wrong!

Hello, I have a payrise after changing jobs and just need some advice on when I need to let me IP know? I checked the wording on my proposal and it seems to state that contributions will be increased by 50% of net increase in the month following the annual review. Does this mean I wait until the ann...