Advice on repairing credit score after IVA

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headbanger
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by headbanger » Wed May 02, 2018 11:51 am
Hi Guys and Girls

I haven’t posted in well over a year. Thought I would ask about how to best repair credit score. I completed Iva nearly 18 months ago but credit score hasn’t improved as much as I thought it would. Any hints/tips would be very much appreciated

Cheers
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Foggy
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by Foggy » Wed May 02, 2018 11:59 am
Have a read here : https://www.iva.co.uk/what-does-an-iva- ... dit-record

Also have a look at the last couple of entries in my blog ( link in signature block at the bottom of my posts).

It has only been a few months since your 6 year mark --- check for incorrectly dated defaults and any notices of correction with all three agencies.
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headbanger
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by headbanger » Thu May 03, 2018 4:40 pm
Thanks foggy.

I’m on Noddle and Clearscore. Is there any need to send the three credit agency’s £2 to get report direct from them
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kallis3
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by kallis3 » Thu May 03, 2018 4:42 pm
It might be worth doing to make sure.
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Foggy
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by Foggy » Thu May 03, 2018 4:46 pm
headbanger wrote:
Thanks foggy.

I’m on Noddle and Clearscore. Is there any need to send the three credit agency’s £2 to get report direct from them


Yes, the statutory report is the version the creditors see, as well as being bang up to date. Noddle and the likes are great for keeping track, but for something as important as a clean up you need the real deal (in my opinion).
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