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MerlinL14

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Post by MerlinL14 » Sat Jan 30, 2016 7:11 pm
My credit report is blank, other than my utility accounts. All my defaults have dropped off. There is not a single trace of me ever being insolvent (unless there are hidden area's!).
My life is restarted, a blank sheet, a new financially educated restart.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
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kallis3

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Post by kallis3 » Sat Jan 30, 2016 7:41 pm
Brilliant news!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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Foggy

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Post by Foggy » Sat Jan 30, 2016 8:55 pm
Check for any Notices of Correction on all three agencies files.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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luluj

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Post by luluj » Sat Jan 30, 2016 8:58 pm
Fab news .... although would keep an eye over the next month or so in case notice of correctiod added by equifax ... they did it to us but once requested it be removed it was immediately
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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MerlinL14

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Post by MerlinL14 » Sun Jan 31, 2016 4:19 pm
No notices of correction, so far, fingers crossed it stays that way.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
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Shining

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Post by Shining » Sun Jan 31, 2016 5:07 pm
Fabulous, a great feeling, I check my online Noddle and ClearScore once a month to to keep a check and they're both free.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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recovering

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Post by recovering » Sun Jan 31, 2016 7:35 pm
Congratulations...what is a notice of correction?[:)]
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plasticdaft

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Post by plasticdaft » Sun Jan 31, 2016 10:38 pm
I just took out car finance and the smile on my face when the salesman said.....you have been pre - approved, our lenders class you as a blue chip customer!!

It just proves life goes on after an insolvency.

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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kallis3

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Post by kallis3 » Mon Feb 01, 2016 9:09 am
Great news Paul!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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footiemad

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Post by footiemad » Thu Feb 04, 2016 5:01 pm
Did you gave to chase to get them removed or was it automatic? Congratulations! Can't wait to get in your position.
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MerlinL14

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Post by MerlinL14 » Thu Feb 04, 2016 6:34 pm
I didn't have to chase up or make correspondence of any kind. The defaults all changed to settled in the months following the issue of my CC. My final 'default' was dated 26/1/16 and was gone on 30/1/16. No notice of corrections, just nothing other than my utility accounts.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
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footiemad

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Post by footiemad » Fri Feb 05, 2016 6:22 am
Wow that's good! I don't expect to be that lucky as when the time comes there are 18 creditor defaults to drop off. Anyway I'll just have to be patient and see what happens. Pleased for you though - must be a fantastic evening feeling.
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welshwiz

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Post by welshwiz » Fri Feb 05, 2016 9:56 am
Great to hear that life gets back to normal after the 6 years Enjoy the new car plasticdraft
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country girl

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Post by country girl » Sun Feb 07, 2016 1:30 pm
Mine have all dropped off. I check Clearscore each month, I did not have to do anything. I have also been able to get a decent credit card which I will be paying off each month I hasten to add!
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