I have my bank account, Virgin media and mobile phone contract already on, so should help me start up. Maybe that credit card would also assist.

My long term aim is for hopefully getting good Mortgages and good rates.

I would of thought part of sorting my credit file is ensuring my credit score is half decent aswell

kallis3 wrote:

He's also right that to check your credit record will only cost you a couple of pounds a time, not £14.

Credit score details says £14.95

http://www.equifax.com/consumer/creditrating/en_uk

Thanks guys

But it seems from that credit file I have no need to sort it out??

Also my IVA says satisfied and indicates it has been removed from solvency register.

What is shocking is the £14 price to get your credit score[:0]

On my Equifax report Got a total of 7 accounts 2 creditors say settled and satisfied in April/August 2004. Does this mean they fall off April/August 2010?? 1 says defaulted June 2004 1 says defaults May 2004 Will these fall off in May/June 2010?? The others are phone contracts, bank accounts which a...

I have just checked my insolvency register and my name no longer comes up on the system[:D][:D].

I know about it staying on credit file for 6 years, but surely the register should state completed or as it seems in my case gets wiped out.

Thanks all.

What is the cheapest/easiest way to look at credit file. This credit expert charges a monthly fee, and apparently it is a nightmare to get out of the free trail period and also you can only do it once.

Any other cheap options out there??

Finally received my certificate of completion of my IVA. It was completed in October of last year but I gave an extra payment in November which was refunded to me. It has taken Mazars until now to finally sort it. Does it normally take this long?? I paid in £23,100 over the 5 years on debts that tot...

Not sure if you are aware or if it may effect you, but there are proposals in regards to mortgage arrears

http://news.bbc.co.uk/1/hi/business/8480073.stm

Hopefully a step in the right direction if adopted.

Why would a large number of letters and phone calls be deemed as harassment? Creditors should be entitled to be able to pursue their debts, and if a debtor is ignoring their letters I cannot see that the frequency of same would be harassment. Harassment is ony apparent when creditors are aware that...

Just because a debt cannot be enforced, it does not mean that it cannot be collected - and this means that the ongoing barrage of phone calls, letters and doorstep collectors could continue ad infinitum. My advice is if it is due get it paid and if you cannot afford to do this take professional adv...

I think you will find it is not all as we think, reading between the lines if no agreement can be produced by the creditors or that the interest rate increased during the use, they will have to produce the agreement to ensure the agreement is enforceable. If an agreement can be found, it does not ha...

As some may remember I had to cancel my last month (December) payment due to lack of funds, when I was what was thought coming to an end to my IVA. I spoke to Mazars and they said it was fine and would be sending letter to extend it 1 extra month. This action must of got them to look into my IVA, as...