How do I now help repair and increase my credit rating?

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Posts: 44
by Steven.dx » Mon Jul 31, 2017 12:54 pm
I have completed my IVA in full and in September it will be 6 years since my IVA was accepted its been a long haul but I'm out the other side now.
My question is how do I now help repair and increase my credit rating? i.e. should I write to all of my past creditors asking them to update their files on me perhaps even sending them my IVA completion cert or apply for a credit card?

What is my best route?
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Forum Expert
Posts: 24993
by Foggy » Mon Jul 31, 2017 1:12 pm
Have a read here as well as the latest entries in my blog, the link to which can be found in my signature below: ... dit-record
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Industry Expert
Posts: 760
by Ryan » Mon Jul 31, 2017 1:33 pm
Hi Steven,

As Foggy's guide says it's all about checking the 3 credit reports individually - don't use checkmyfile as it only shows limited information - to make sure they are clear and up to date. Along with that also make sure you are on the Electoral Register as that is a big boost on credit scores.

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Lisa Thomas
Industry Expert
Posts: 6273
by Lisa Thomas » Tue Aug 01, 2017 9:22 am
You might find this quick video I made about cleaning up your credit record useful:

Noddle and Clearscore are also free credit agencies to consider using:
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