Credit file

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Steeddie
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by Steeddie » Fri Jan 11, 2019 12:25 pm
Hello all,
I know it’s probably been asked million times but I hope you can help.
I asked freeman jones but the person I spoke to was as much use as a choc teapot.

The six year was sept 2018 Iva started in sept 2012. Last payment was March 2018
I got the compleation cert nov 2018

Looking at my credit report the creditors have removed the accounts off the report but I’ve got a creditor creation finance who have just marked it settled and there doesn’t look like they marked it as default.
I need to try and clear this soon as I need to look at moving house so will need to change mortgage.

Any advice greatly appreciated
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kallis3
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by kallis3 » Fri Jan 11, 2019 12:36 pm
Write to the Data Controller for Creation and ask them to remove the entry. I take you are off the Insolvency Register?
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Foggy
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by Foggy » Fri Jan 11, 2019 12:42 pm
Read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record

There is a template to get the entry defaulted at the correct date, it should then drop off at the 6th anniversary.
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SteveUK
Posts: 72
by SteveUK » Fri Jan 11, 2019 1:05 pm
Creation have done the same to me. So far I have submitted complaints to the ICO about:

Creation
Advantage Finance
Barclaycard

Now we play the waiting game
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Ryan
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by Ryan » Fri Jan 11, 2019 1:18 pm
As has been said speak to Creations Data Controller and ask them to default the account on the same day as the IVA started. By doing so as you are over 6 years from the IVA start date the account will immediately fall off the credit reports and as you are now over 6 years from the start date there are some High Street Lenders who would be willing to lend.

Regards
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SteveUK
Posts: 72
by SteveUK » Fri Jan 11, 2019 1:53 pm
SteveUK wrote:
Creation have done the same to me. So far I have submitted complaints to the ICO about:

Creation
Advantage Finance
Barclaycard

Now we play the waiting game


Ooops I forgot

Nationwide Building society
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Lisa Thomas
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by Lisa Thomas » Fri Jan 11, 2019 3:30 pm
You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle, Clearscore and Totally Money are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
https://www.totallymoney.com/
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Steeddie
Posts: 64
by Steeddie » Fri Jan 11, 2019 7:52 pm
kallis3 wrote:
Write to the Data Controller for Creation and ask them to remove the entry. I take you are off the Insolvency Register?


Hi,
No still seem to be on the register till 8th Feb that will be 3 months since notification.
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kallis3
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by kallis3 » Fri Jan 11, 2019 10:18 pm
Should be off soon.
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