What is the best way to contact lenders to help remove things on my credit file ?

Get expert opinion. This is the place for new questions to be posted.
6 posts Page 1 of 1
Post Reply
 
 

Matthew.76

User avatar
Posts: 5
Joined: Fri Sep 10, 2010 9:07 am
Post by Matthew.76 » Mon Mar 23, 2015 2:16 pm
Quote
Hi, recently finished an iva, paid off last Sept 14 and had completion through in Nov. I have got a credit report via Noddle but there is still some previous things on there, what is the best way to contact the lenders to help remove these?
Top
 
 

plasticdaft

User avatar
Forum Expert
Posts: 9562
Joined: Wed May 21, 2008 12:45 pm
Location: United Kingdom
Post by plasticdaft » Mon Mar 23, 2015 3:51 pm
Quote
Defaults etc stay on for 6 years (as does most info). What things need sorting?

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

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Mon Mar 23, 2015 4:39 pm
Quote
Background info here:

http://pjgrecovery.com/clean-up-credit-rating.asp

The agencies web sites are also helpful.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
 
 

Matthew.76

User avatar
Posts: 5
Joined: Fri Sep 10, 2010 9:07 am
Post by Matthew.76 » Tue Mar 24, 2015 11:53 am
Quote
Hi plasticdaft.

I have a credit card on there with the balance add last updated 2nd March 15, set as default

I also have a loan on there from the same bank, last updated 7th Feb 15 and again default

I have Creation Consumer Finance LTD with an mount, i believe that this is DFS, updated 1st Feb 2015 and again default

The rest of the data is correct

Thanks Foggy , will look at that link now
Thanks
Top
 
 

Matthew.76

User avatar
Posts: 5
Joined: Fri Sep 10, 2010 9:07 am
Post by Matthew.76 » Tue Mar 24, 2015 12:37 pm
Quote
My credit report has come from using the free Noddle, i thnk that is linked to the call credit firm
Top
 
 

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Tue Mar 24, 2015 5:29 pm
Quote
Yes, Noddle is Call Credit. You do need to check the other two as well --- they often hold different information as creditors use different agencies to report to.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
Post Reply
6 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”