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Posted: Sun Feb 07, 2016 1:44 pm
by RRones
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 ??
Posted: Sun Feb 07, 2016 2:33 pm
by kallis3
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.
Posted: Sun Feb 07, 2016 2:47 pm
by Jules79
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.
Posted: Sun Feb 07, 2016 4:06 pm
by Shining
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
Posted: Mon Feb 08, 2016 10:36 am
by Lisa Thomas
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/