Thank you both for your replies, I will take note and wait until October and see how the Credit report looks. I had a couple of letters from creditors and passed to my supervisor he sorted, but one called me out of the blue last week and said a letter was in post to me but nothing yet arrived over a...

Thanks for the good luck wish, lucky for me mine was a IVA and I live in a council house, not much luck of me buying the house as I do not have confidence in the credit agencies doing their job properly. I was told that they keep me on the register for another year after the IVA ended so I await and...

Thanks Jane, I knew of Experian, Equifax but CallCredit is a new one to me, so many thanks to you.

Malcolm

Hi all, thanks for your kind words and advice, it was hard work but I finally got there, I just await the certificate then I can send to those credit agencies, I don't trust them one bit no matter how often you contact them I bet they keep me on the register as a bad debtor. I was told I have to wai...

I have just completed my IVA in September 2008, can you advise when the Credit Agencies remove me from the bad debtors and who they are. I believe I have to inform them that the IVA has successfully completed?