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cockerhoop

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Post by cockerhoop » Tue Feb 22, 2011 2:03 pm
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just done an experian credit check, post 6 year IVA
got a good score, but a comment "negative effect bankrupt on last 6 years" what does this mean and can i get it removed now?
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ginger3232

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Post by ginger3232 » Tue Feb 22, 2011 2:18 pm
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Hi - i may have misread but you have finished an IVA.

But you
refer to Bankruptcy - Experian refer to Bankruptcy being on your report for a "minimal of 6 years" - longer depends on condition and length of Banruptcy.

Iva and bankruptcy completely diffrent - so if your report refers to bankruptcy then needs to be changed
Last edited by ginger3232 on Tue Feb 22, 2011 2:26 pm, edited 1 time in total.
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ginger3232

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Post by ginger3232 » Tue Feb 22, 2011 2:28 pm
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Experian Information about IVA/Credit report

http://www.experian.co.uk/downloads/con ... rsion1.pdf
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cockerhoop

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Post by cockerhoop » Tue Feb 22, 2011 2:59 pm
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have been informed if we send experian a copy of our completion cert the comment will be removed within a day or two as we are post 6 years
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ginger3232

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Post by ginger3232 » Tue Feb 22, 2011 3:02 pm
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Good - also have also look (Unles you have) at the above leaflet from Experian about IVA - you may find it useful :-).

How you doing rebuilding you credit?
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cockerhoop

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Post by cockerhoop » Tue Feb 22, 2011 3:16 pm
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red the leaflet quickly, and i think we can get comment removed easily
our score is quite high 900ish so its looking good
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kallis3

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Post by kallis3 » Wed Feb 23, 2011 8:39 am
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The IVA should certainly have dropped off by now - check that there are no defaults added after the date of IVA acceptance as well.
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
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