Are there any people out there with credit score knowledge. I've checked mine on credit expert and its 803 out of 999? My IVA started on 9/8/11 but now F&F has been accepted I want to prepare rebuilding my score. I know most should go at 6 years.
I would not worry to much about credit scores - they mean very little.
All your defaults and IVA will remain on file for 6 years - so accessing mainstream lending etc may prove problematic.
However once to have your completion certificate - you should check that your defaults are dated to the start of your IVA.
You may want to consider a mobile phone contract/Credit Card etc to help rebult a credit history - but be careful of multiple applications
A couple of mine are -- I have decided to leave it, I am in no hurry to get credit, but you are perfectly within your rights to contact the data controller for the particular creditors and request that the date be amended.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Cheers foggy, were desperate to move to get the kids in a better catchment area for their schools. Been wanting to move for ages, so asap, not really wanting additional credit, just to allow us to move on!
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
I still have an incorrect date on my credit file 2 years and 3 months after the iva start date and barclays wont remove me I also have a 970 credit score.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
I got bored chasing up an ex egg default it stayed on file for 7 months longer than it needed to. Real pain but didnt matter as we werent looking for credit.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.