Anyone ??

Hi

I am curious to find out what date of the month do the 3 CRA update the customer credit files.

Equifax

Experian

Call credit/ Transunion

Regards
Ben

Sun Jun 21, 2020 5:40 pmFoggy wrote:

The numerical score means nothing and seems to be affected by the weather !!! Lenders don't see it anyway.

Haha. That's reassuring

Sun Jun 21, 2020 5:25 pmkallis3 wrote:

Mine goes up and down every month so I wouldn't worry too much about it.

Thanks

Strangely my credit score has just dropped on Experian to 524 very poor. Last month it was 724 fair. Cant seem to understand as I have not applied for any credit. My iVA clears on credit file this September.

Thanks for explaining that.

Will you guys advise that I apply for a credit builder credit card that I will be accepted? And if so which one I should apply for?

I want to get a mortagage this September so I want to start the preparation work now so come the 9th September when I check my credit file and all the defaults have fallen off I can put in an application for DIP

Hi Flavour69, There is something wrong here, if you have Defaults dated after the date you went in to an IVA, these need to be amended. What date did your IVA start? Hi Ryan I contacted all the creditors in question between August 2019 and September 2019 to amend their records. On my credit file no...

Hopefully Equifax and Experian will be following suit shortly

Keep an eye on your Insolvency Register entry --- once they have been notified the entry should change from 'active' to ' completed'. It will then drop off within three months. The CRAs will take a few weeks longer to react, but the IVA will remain on those records for the full 6 years from the sta...

Thanks. Will sit tight and wait then.

Whilst on this subject can my bank account be changed / Upgraded now the IVA is completed or I have to wait for the defaults to fall off my file inn September??

Thanks Foggy. Its been nerve wrecking these past few years but alas.
Lessons learnt and a new chapter.

Come September will be putting in a mortagage application with Ryan/ Shaun.

All inputs have been appreciated by all on this forum.

Keep an eye on your Insolvency Register entry --- once they have been notified the entry should change from 'active' to ' completed'. It will then drop off within three months. The CRAs will take a few weeks longer to react, but the IVA will remain on those records for the full 6 years from the sta...