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recovering
Posts: 1580
by recovering » Sat Jul 14, 2018 4:42 pm
I think..... I really think I have done it!!! Notice of correction has been removed...... I had to sit down!
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recovering
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by recovering » Sat Jul 14, 2018 4:44 pm
I think my credit reports are all clean....
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Foggy
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by Foggy » Sat Jul 14, 2018 4:51 pm
Fingers (and everything else) firmly crossed !!
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kallis3
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by kallis3 » Sat Jul 14, 2018 6:12 pm
Brilliant!!!
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MerlinL14
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by MerlinL14 » Sat Jul 14, 2018 6:21 pm
Asda is open until 8PM, still enough time to pop out and get a couple of bottles of plonk :D . I really hope you have got over these hurdles now.
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recovering
Posts: 1580
by recovering » Sat Jul 14, 2018 6:37 pm
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 ?
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Foggy
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by Foggy » Sat Jul 14, 2018 6:48 pm
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.
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recovering
Posts: 1580
by recovering » Sat Jul 14, 2018 6:58 pm
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!
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recovering
Posts: 1580
by recovering » Sat Jul 14, 2018 6:59 pm
MerlinL14 wrote:
Asda is open until 8PM, still enough time to pop out and get a couple of bottles of plonk :D . 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
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recovering
Posts: 1580
by recovering » Sat Jul 14, 2018 7:00 pm
Foggy wrote:
Fingers (and everything else) firmly crossed !!

Thanks Foggy
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recovering
Posts: 1580
by recovering » Sat Jul 14, 2018 7:00 pm
kallis3 wrote:
Brilliant!!!

Thanks!!!
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peersie
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by peersie » Sun Jul 15, 2018 11:32 am
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
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Foggy
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by Foggy » Sun Jul 15, 2018 11:57 am
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.
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recovering
Posts: 1580
by recovering » Sun Jul 15, 2018 2:19 pm
[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
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peersie
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by peersie » Sun Jul 15, 2018 7:26 pm
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
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