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Posted: Thu Jul 21, 2016 10:00 am
by roous27
Hi I am wondering , is any body give me some advice , I have completed my IVA by F&F early settlement offer. IVA completed on 04/07/2016 and received my completion certificate originally F&F offer approved on 05/05/2016.
My IVA was started on FEB 2013 and Finished on 04/07/2016 , originally IVA was 6 years duration. I have checked my credit report and showing IVA completed on credit file but still waiting for insolvency register renovation and hopefully will remove by 3 month ; as i noticed in insolvency register all ready updated my completion.
Still all of my IVA creditors not updated their report.
Please can you advise me when i can start for credit repair? Do i need to wait 6 years or i can start it from now?
Posted: Thu Jul 21, 2016 10:06 am
by kallis3
You can check your credit record and get any defaults set back to the start of the IVA but the IVA will stay on there for the full six years.
Posted: Thu Jul 21, 2016 10:12 am
by roous27
Thank you for quick reply. I have checked some default mark on March 2013 but my IVA was approved on 26/02/2013 by creditors so can i send them notice of correction?Can creditors put default mark on Feb 2013 as my IVA approved on Feb 2013.
Posted: Thu Jul 21, 2016 10:22 am
by roous27
Three mobile offered me sim only deal as Three mobile update credit report monthly basis, is it worthy to take now or wait till IVA remove from my credit file?
Posted: Thu Jul 21, 2016 10:24 am
by Foggy
Posted: Thu Jul 21, 2016 10:25 am
by Foggy
Anything that adds green ticks in the meantime is a good thing.
Posted: Thu Jul 21, 2016 11:26 am
by Lisa Thomas
You might find this quick video I made about cleaning up your credit record 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/
However I'm afraid your credit record is probably going to remain damaged until 2022, sorry!
Posted: Thu Jul 21, 2016 11:43 am
by roous27
Thank you Lisa. sorry its my typing mistake originally my IVA was approved on 26/02/13 so will it remain 2019?
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Lisa Thomas
You might find this quick video I made about cleaning up your credit record 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/
However I'm afraid your credit record is probably going to remain damaged until 2022, sorry!
Posted: Thu Jul 21, 2016 11:48 am
by kallis3
It will be 2019.
Posted: Thu Jul 21, 2016 12:30 pm
by Lisa Thomas
Yes 2019.
Posted: Thu Jul 21, 2016 2:56 pm
by roous27
Thank you. Please can you give me advise regarding creditors default correction issue , how can let them to know for correction my default date? Can i raise the issue by credit reference agency by dispute notice of correction issue or i need to send creditors my IVA completed certificate? How can i get creditors address for send correction letter?
Posted: Thu Jul 21, 2016 3:00 pm
by kallis3
You do need to send your completion letter to the data controller of any creditor who is still defaulting you.
Posted: Thu Jul 21, 2016 3:08 pm
by roous27
Thank you for reply. But if i did not send them my certificate than how they know exactly when my IVA started? Because i want to let them know to correct default dated mark if the issue default date after IVA arranged.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by kallis3
You do need to send your completion letter to the data controller of any creditor who is still defaulting you.
Posted: Thu Jul 21, 2016 3:18 pm
by kallis3
You enclose a letter stating when it started, although they should already know.