Hi we completed our IVA in 2012 & want to apply for a mortgage.

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Jonny.g

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Post by Jonny.g » Mon Apr 25, 2016 7:52 pm
Hi we completed our iva march 2012 & want to apply for a mortgage.an advisor has asked to see our credit reports for experian&aquafax.we have already used the free trials &want to know is there anyway around having to pay 15p/mth each per report contracted for 1 full year a total 720pounds just to see if credit reports are clean a d if we can then apply for a mortgage.please help
 
 

happy buddha

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Post by happy buddha » Mon Apr 25, 2016 8:05 pm
noodle is a free monthly one and is run by callcredit and clearscore is also a free monthly check partnered with equifax. i use both for free each month to keep an eye on things. hope this helps
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Foggy

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Post by Foggy » Mon Apr 25, 2016 8:16 pm
You can obtain a copy of your credit reports from each agency for £2 each via their websites.
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 » Tue Apr 26, 2016 5:17 am
If you haven't done so already I would use the expert advise of a mortgage broker with experience of helping people with past credit issues. The forum has two such experts in Ryan and Shaun whose contact details can be found via this the ask the experts link.
http://www.iva.co.uk/forum/forum_experts.asp
Last edited by luluj on Tue Apr 26, 2016 5:18 am, edited 1 time in total.
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Lisa Thomas

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Post by Lisa Thomas » Tue Apr 26, 2016 9:51 am
When did your IVAs start? Your credit rating won't start to cl;ear up until 6 years from the start date.

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
 
 

Ryan

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Post by Ryan » Tue Apr 26, 2016 8:33 pm
Hi,
You would need the reports from all 3 agencies for us to be able to be sure there are no issues.
You only pay for 1month and then cancel. They are not 12month contracts!
So £30 each is really not a lot to get the right result.
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed? Looking at Right to Buy and completed IVA still on credit files ?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page
 
 

wannabedj

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Post by wannabedj » Wed Apr 27, 2016 2:07 pm
Good video Lisa. You should see if you can get someone to embed the link on this site or pop it in your signature.
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Lisa Thomas

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Post by Lisa Thomas » Thu Apr 28, 2016 11:11 am
Thank you. and thank you for the suggestion
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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