Hi all, I completed my IVA two years ago and wanted to finally get around to checking my credit rating. I may need to be credit checked for a new job, so thought I better get a heads up.
I used Noddle as it is free and although not lots of historical data it was really useful. I was worried in case my IVA might still be showing or if any defaults might have been incorrectly added.
I rate 3/5 which isn't too bad and I have a credit card which I pay on time each month. Everything is showing up to date so I am really pleased and feel much more confident now applying for jobs where a credit check will be carried out.
A question are the other types of report that you pay for much more detailed? is it worth paying as I found the level of detail on this okay.
Thanks
The Noddle report is ok, I think it's part of Call Credit. When I got my Experian and Equifax reports (£2 each) there was more detail and more creditors!! So definitely worth the £2 each, you can even get 30 day free trial with them both (so long as you cancel before the 30th day) so it can all be done online.
There's more to life than money....but it does help!!
64 payments made. Full and final with payments made to date accepted on 26/05/15 completion certificate received 17/06/15
Remember that Equifax and Experian both offer cashback via Quidco etc. if you sign up for a free trial, so you can actually get paid to see your report!
But, as mentioned above, don't forget to cancel your trial subscription before they take the first payment.
"If you think it's expensive to hire a professional to do the job, wait until you hire an amateur."
Thanks all I will get some more reports, the 2.00 a pop sounds good to me because I will surely forget to cancel the subscription. Here's hoping the others are as clear...
I have just paid 2.00 to experian and the same to Equifax. I got a report straight away with Equifax which wasn't as thorough as Noddle, I have to wait for the one from Experian. We will see. So far nothing too bad and my credit score is fair to good. Time will improve it as I haven't lived at my current address for too long, so the longer I am here the better.
Thank you l was just a but unsure as not used them before. But with your advice l will. My iva finished in February and got my completion letter through. Only found this site today so it's been helpful to find out to go on
But, in due course, you will need to check all three agencies as they all hold different information. Also check for any Notices of Correction mentioning the IVA as these have to be removed manually and do not drop off automatically when the time comes.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014