www.iva.co.uk

I think..... I really think I have done it!!! Notice of correction has been removed...... I had to sit down!

I think my credit reports are all clean....

Fingers (and everything else) firmly crossed !!

Brilliant!!!

Asda is open until 8PM, still enough time to pop out and get a couple of bottles of plonk . I really hope you have got over these hurdles now.

I just wondered the best way to go about things now? Will applying for a normal bank account with CO-OP affect my credit rating? Does the badic account flag anything? I am not sure whether now my report is clear I am sensible in trying to get a car on PCP ?

recovering wrote:

I just wondered the best way to go about things now? Will applying for a normal bank account with CO-OP affect my credit rating? Does the badic account flag anything? I am not sure whether now my report is clear I am sensible in trying to get a car on PCP ?

I banked with the co-op, using a cashminder account, all through my IVA. When my credit record cleared up I went in and asked to convert to a current account as I needed a cheque book. They did it right away and also offered me a credit card at the same time.

Foggy wrote:

recovering wrote:

I just wondered the best way to go about things now? Will applying for a normal bank account with CO-OP affect my credit rating? Does the badic account flag anything? I am not sure whether now my report is clear I am sensible in trying to get a car on PCP ?

I banked with the co-op, using a cashminder account, all through my IVA. When my credit record cleared up I went in and asked to convert to a current account as I needed a cheque book. They did it right away and also offered me a credit card at the same time.

I was nearly all the way through my online application and panicked! There is no branch near me now so I think perhaps I will ring rather than do the online application.
It is all a bit scary!

MerlinL14 wrote:

Asda is open until 8PM, still enough time to pop out and get a couple of bottles of plonk . I really hope you have got over these hurdles now.

Thank you! Seems like an age but compared to 6 years it isn’t is it? May wait and see whether my score jumps up in 10 days at next update

Foggy wrote:

Fingers (and everything else) firmly crossed !!

Thanks Foggy

kallis3 wrote:

Brilliant!!!

Thanks!!!

hi sorry to be a party pooper,id wait until your off the insolvency register[3 months]
i tried to change my basic natwest account to a normal one and got knocked back all my
credit files are ok ,thats the only reason i can think of for the refusal
peersie

peersie wrote:

hi sorry to be a party pooper,id wait until your off the insolvency register[3 months]
i tried to change my basic natwest account to a normal one and got knocked back all my
credit files are ok ,thats the only reason i can think of for the refusal
peersie

Something amiss there, Peersie. If you are still on the register your credit files shouldn't be clear as the IVA will show up under court information.

[quote="peersie"]hi sorry to be a party pooper,id wait until your off the insolvency register[3 months]
i tried to change my basic natwest account to a normal one and got knocked back all my
credit files are ok ,thats the only reason i can think of for the refusal
peersie[/quote
I am off the register and have just got my files sorted

thats great recovering,all my credit files are clear foggy with great scores ,definetly nothing
under court info,ive been checking them regular after end of iva.cant think of anything else for refusual
can you foggy.ta
peersie