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Posted: Sat Jan 30, 2016 7:11 pm
by MerlinL14
My credit report is blank, other than my utility accounts. All my defaults have dropped off. There is not a single trace of me ever being insolvent (unless there are hidden area's!).
My life is restarted, a blank sheet, a new financially educated restart.
Posted: Sat Jan 30, 2016 7:41 pm
by kallis3
Brilliant news!!
Posted: Sat Jan 30, 2016 8:55 pm
by Foggy
Check for any Notices of Correction on all three agencies files.
Posted: Sat Jan 30, 2016 8:58 pm
by luluj
Fab news .... although would keep an eye over the next month or so in case notice of correctiod added by equifax ... they did it to us but once requested it be removed it was immediately
Posted: Sun Jan 31, 2016 4:19 pm
by MerlinL14
No notices of correction, so far, fingers crossed it stays that way.
Posted: Sun Jan 31, 2016 5:07 pm
by Shining
Fabulous, a great feeling, I check my online Noddle and ClearScore once a month to to keep a check and they're both free.
Posted: Sun Jan 31, 2016 7:35 pm
by recovering
Congratulations...what is a notice of correction?[:)]
Posted: Sun Jan 31, 2016 10:38 pm
by plasticdaft
I just took out car finance and the smile on my face when the salesman said.....you have been pre - approved, our lenders class you as a blue chip customer!!
It just proves life goes on after an insolvency.
Paul
Posted: Mon Feb 01, 2016 9:09 am
by kallis3
Great news Paul!!
Posted: Thu Feb 04, 2016 5:01 pm
by footiemad
Did you gave to chase to get them removed or was it automatic? Congratulations! Can't wait to get in your position.
Posted: Thu Feb 04, 2016 6:34 pm
by MerlinL14
I didn't have to chase up or make correspondence of any kind. The defaults all changed to settled in the months following the issue of my CC. My final 'default' was dated 26/1/16 and was gone on 30/1/16. No notice of corrections, just nothing other than my utility accounts.
Posted: Fri Feb 05, 2016 6:22 am
by footiemad
Wow that's good! I don't expect to be that lucky as when the time comes there are 18 creditor defaults to drop off. Anyway I'll just have to be patient and see what happens. Pleased for you though - must be a fantastic evening feeling.
Posted: Fri Feb 05, 2016 9:56 am
by welshwiz
Great to hear that life gets back to normal after the 6 years Enjoy the new car plasticdraft
Posted: Sun Feb 07, 2016 1:30 pm
by country girl
Mine have all dropped off. I check Clearscore each month, I did not have to do anything. I have also been able to get a decent credit card which I will be paying off each month I hasten to add!