IVA finshed - Credit rebuild

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RRones

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Post by RRones » Sun Feb 07, 2016 1:44 pm
Good afternoon everyone

So i have finshed my IVA :) Was a long 5 yrs but well worth it. Now my CC is on its way. Now i want to start rebuilding my Credit score as i know it will be 0

Any tips or anything i can do. Now i have seen these credit cards that build your score. Low credit amount with payments coming directly out of account. Are they worth it ??
 
 

kallis3

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Post by kallis3 » Sun Feb 07, 2016 2:33 pm
Check first of all to see what is registered on there by all three agencies.

Noddle and Clearscore are free and you only need to pay a couple of pounds for the other one.
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
 
 

Jules79

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Post by Jules79 » Sun Feb 07, 2016 2:47 pm
Well done and congrats on your completion :-)

You maybe pleasantly surprised with your credit score, It by all means won't be in the green zone but it may not be at 0.

If you've taken care of your Mortgage, bank account, phone bills, Energy suppliers then all these go for you.

Noodle is free for basic checks.
Last edited by Jules79 on Sun Feb 07, 2016 2:47 pm, edited 1 time in total.
**23'04'14 - IVA Complete F&F Agreed with payments made to date oh and a fat PPI reclaim helped too. Completion Certificate received 23'10'14 ** After a couple of years of waking up and 'surviving' the day I now wake up and 'Live' for the day!!
**Any comments I make are purely my own opinions**
 
 

Shining

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Post by Shining » Sun Feb 07, 2016 4:06 pm
Hi and well done, a good feeling isn't it?

These two links may give you some hints and tips as to what to do, hope they help.

http://beatmydebt.com/individual-volunt ... -after-iva

http://pjgrecovery.com/clean-up-credit-rating.asp
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Lisa Thomas

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Post by Lisa Thomas » Mon Feb 08, 2016 10:36 am
Hi there. You might find this quick video I made useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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