www.iva.co.uk

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

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

You can obtain a copy of your credit reports from each agency for £2 each via their websites.

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

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/

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.

Good video Lisa. You should see if you can get someone to embed the link on this site or pop it in your signature.

Thank you. and thank you for the suggestion