Rebuild credit after completion certificate

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john.jk

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Post by john.jk » Sun Oct 19, 2014 3:04 pm
Would it worth while sending a copy of my completion certificate to Equifax,Experian etc so they know my IVA is now complete ?
The insolvency register have already updated there records.
Would it be a good idea to apply for a Vanquish credit card or something like this to get a credit history rebuilt ?
Thank you in advance for any advice..[:)]
 
 

ilikewatch

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Post by ilikewatch » Sun Oct 19, 2014 4:04 pm
Are the CRA's showing default dates on/before the date you entered your IVA? if so, there should be no need to advise them as the records will drop off 6 years from the date of default. If any defaults are dated after the start of your iva then you'll need to ask the CRA to update their records.

Obviously the above only applies to debts incurred before, rather than during or since the period of your IVA.
"If you think it's expensive to hire a professional to do the job, wait until you hire an amateur."
 
 

Foggy

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Post by Foggy » Sun Oct 19, 2014 4:13 pm
The defaults ( if correctly dated ) will drop off but the IVA will remain unless they are informed. My IP, it seems, did this as it is showing as completed.

Either Equifax or Experian ( cannot recall which) will also put a Notice of Correction on file, stating the IVA is complete. This will remain after the IVA has disappeared (giving clues as to your history) unless you ask them to remove it.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

luluj

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Post by luluj » Sun Oct 19, 2014 5:04 pm
Equifax put the notice of correction on ... you then have to request this be removed otherwise it will stay on record forever!
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"
 
 

plasticdaft

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Post by plasticdaft » Mon Oct 20, 2014 8:32 am
Sorry to hijack this but I'm still having trouble with egg/prudential over an incorrectly dated default. Any clues who to contact?

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

ginger323232

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Post by ginger323232 » Mon Oct 20, 2014 5:29 pm
It depend on what time of loan etc. - this page has drop down information about/where to contact

http://www.ybs.co.uk/help/online/egg.html
 
 

plasticdaft

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Post by plasticdaft » Mon Oct 20, 2014 8:16 pm
Thats an address I have found already but I'm trying to get arrow global to remove the prudential entry given that they took over all aspects of the debt. Total pain in the bum!!

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

ginger323232

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Post by ginger323232 » Mon Oct 20, 2014 10:14 pm
Does the ICO website come up with a named data controller? - If not it may be worth contacting them
 
 

plasticdaft

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Post by plasticdaft » Wed Oct 22, 2014 5:39 pm
Arrow say its nowt to do with them. That canada square ops doesnt have a data controller listed although I have written to them anyway. My annualcreditreport file lists citibank as the reporter of the prudential entry but their website says to go via canada square ops. Real runaround and only a postal address so its going to take ages for a reply if at all.

The citibank site that mentions egg loans is all about reclaiming ppi rather than anything else.

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

ginger323232

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Post by ginger323232 » Wed Oct 22, 2014 5:45 pm
May be worth speaking to the ICO - they show/will have data controllers listed. Or allow the ICO to investigate.
 
 

plasticdaft

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Post by plasticdaft » Thu Oct 23, 2014 12:08 am
Already contacted the ico. They didnt appear too interested in how difficult it was to discover who to aim my letter at!!

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

Sharon.10

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Post by Sharon.10 » Sun Oct 26, 2014 5:32 pm
I am having the same problem trying to remove barclays off my file as it's well over 6 years and still they haven't removed it i am going Into seven years now still default date incorrect and not removed.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
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