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recovering

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Post by recovering » Mon Jun 11, 2018 2:41 pm
So in my ongoing quest for normality... credit wise! Iva has gone from call credit and Equifax... however Experian despite assuring me it would be gone by last Saturday ( phone conversation after chasing online) it is still showing .... I have now reordered a statutory report and have to wait another week for a “passkey” I am out of ideas now
I was assured it would be taken off :cry:

MerlinL14

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Post by MerlinL14 » Tue Jun 12, 2018 7:57 am
Seems they believe they are a law unto themselves recovering! Nothing much to say other than trying to support you. I have no experience with how Experian conducts it self, I just hope they get it sorted quickly so you can move on. Good luck.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues

recovering

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Post by recovering » Tue Jun 12, 2018 4:07 pm
MerlinL14 wrote:
Seems they believe they are a law unto themselves recovering! Nothing much to say other than trying to support you. I have no experience with how Experian conducts it self, I just hope they get it sorted quickly so you can move on. Good luck.
I am hoping it’s just catching up as when I look on the money expert site which includes Experian it says I have no IVA etc on it
Thank you for the support!

MortgageTips

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Post by MortgageTips » Wed Jun 13, 2018 2:28 pm
recovering wrote:
MerlinL14 wrote:
Seems they believe they are a law unto themselves recovering! Nothing much to say other than trying to support you. I have no experience with how Experian conducts it self, I just hope they get it sorted quickly so you can move on. Good luck.
I am hoping it’s just catching up as when I look on the money expert site which includes Experian it says I have no IVA etc on it
Thank you for the support!
Hi Recovering
You have done the hard work, calling up the credit reference agencies.
Some Lenders, such as halifax have access to "Live" data, where as mere mortals only have access to data that lags behind, sometimes only updated at the end of the month!

Foggy

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Post by Foggy » Wed Jun 13, 2018 6:55 pm
MortgageTips wrote:
recovering wrote:
MerlinL14 wrote:
Seems they believe they are a law unto themselves recovering! Nothing much to say other than trying to support you. I have no experience with how Experian conducts it self, I just hope they get it sorted quickly so you can move on. Good luck.
I am hoping it’s just catching up as when I look on the money expert site which includes Experian it says I have no IVA etc on it
Thank you for the support!
Hi Recovering
You have done the hard work, calling up the credit reference agencies.
Some Lenders, such as halifax have access to "Live" data, where as mere mortals only have access to data that lags behind, sometimes only updated at the end of the month!
Lenders who subscribe to the various agencies all see live data, as do we when we request a statutory report. The online services such as Clearscore, Noddle, etc. lag behind for up to two months on the live files, depending on processing dates.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

recovering

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Post by recovering » Thu Jun 14, 2018 9:43 pm
Foggy wrote:
MortgageTips wrote:
recovering wrote:
I am hoping it’s just catching up as when I look on the money expert site which includes Experian it says I have no IVA etc on it
Thank you for the support!
Hi Recovering
You have done the hard work, calling up the credit reference agencies.
Some Lenders, such as halifax have access to "Live" data, where as mere mortals only have access to data that lags behind, sometimes only updated at the end of the month!
Lenders who subscribe to the various agencies all see live data, as do we when we request a statutory report. The online services such as Clearscore, Noddle, etc. lag behind for up to two months on the live files, depending on processing dates.
Yes I have confirmation that it is not on call credit report but it is showing on Noddle! I understand call credit feed noddle??? It is so frustrating! I have reported it again ... it feels like a permanent ground hog day

Ryan

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Post by Ryan » Fri Jun 15, 2018 8:32 am
Noddle isn't the quickest to update - it can take 30 days for the actually report to reflect changes but if the information has been removed Lenders will see an up to date version of the report when doing searches.

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

recovering

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Post by recovering » Fri Jun 15, 2018 3:02 pm
[quote="Ryan"]Noddle isn't the quickest to update - it can take 30 days for the actually report to reflect changes but if the information has been removed Lenders will see an up to date version of the report when doing searches.

Regards[/quote
Thank you Ryan :D

recovering

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Post by recovering » Fri Jun 15, 2018 3:36 pm
it’s off!!!!! My score ( i know its not that important) but it has shot up to good/ excellent over night! Now just have to wait for my passkey to check Experian.....

Foggy

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Post by Foggy » Fri Jun 15, 2018 3:45 pm
recovering wrote:
it’s off!!!!! My score ( i know its not that important) but it has shot up to good/ excellent over night! Now just have to wait for my passkey to check Experian.....
Phew -- but don't pop the champers just yet !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

recovering

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Post by recovering » Fri Jun 15, 2018 3:49 pm
Foggy wrote:
recovering wrote:
it’s off!!!!! My score ( i know its not that important) but it has shot up to good/ excellent over night! Now just have to wait for my passkey to check Experian.....
Phew -- but don't pop the champers just yet !
I am not a champers fan! But I have a dream of a fiat 500 in the future but PCP agreement so wanted to sort things out
I have not really spent on anything since I finished apart from a decent couple of gifts for others!

Ryan

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Post by Ryan » Mon Jun 18, 2018 9:23 am
Morning,
Just to let you know you can now get a live report for free from Callcredit go to this link and sign up
https://www.callcreditstatreport.co.uk/
Once you have all 3, send them over to us and we will assess for you
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

recovering

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Post by recovering » Mon Jun 18, 2018 3:56 pm
Ryan wrote:
Morning,
Just to let you know you can now get a live report for free from Callcredit go to this link and sign up
https://www.callcreditstatreport.co.uk/
Once you have all 3, send them over to us and we will assess for you
Thanks for that info!

recovering

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Post by recovering » Wed Jun 20, 2018 7:04 pm
So I recieved the new paakey today, try to log in... nothing... aftet 25 attempts at least I give up and try the old one I still have , that works and hey ho my IVA is STILL showing!!! It’s like groudhog day!! I try to ring, they are shut so I end up emailing AGAIN..., i could cry

MerlinL14

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Post by MerlinL14 » Thu Jun 21, 2018 1:58 pm
I hope the dream of a Fiat 500 becomes a reality soon. Nice car and very chic, not that it would suit a past middle age man with his "Christmas podge" still visible :shock: :D
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
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