Reputation to Creditor After It's All Over?

Get expert opinion. This is the place for new questions to be posted.
5 posts Page 1 of 1

GoonerDad

User avatar
Posts: 17
Joined: Fri Aug 15, 2014 12:05 pm
Location: United Kingdom

Post by GoonerDad » Fri Mar 20, 2020 3:31 pm
Hi,

IVA fully off Register, Credit Reports (including Defaults) Jan 8th 2020. One of my Creditors was Barclays, if I am to apply for credit for a Laptop the credit is done by Barclays, will any of their internal records they keep stop me getting credit with them...?

Kind Regards

Foggy

User avatar
Forum Expert
Posts: 30472
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Fri Mar 20, 2020 3:57 pm
Maybe .. maybe not. Depends on the individual creditors. I have a credit card with Halifax now, and my previous Halifax credit card, included in my IVA, was with Halifax. So some do re-lend to previous defaulters.
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

GoonerDad

User avatar
Posts: 17
Joined: Fri Aug 15, 2014 12:05 pm
Location: United Kingdom

Post by GoonerDad » Sun Mar 22, 2020 1:18 pm
Thank you.

kallis3

User avatar
Forum Expert
Posts: 75499
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Sun Mar 22, 2020 1:44 pm
Use a card that does a soft search which does not impact on your credit record.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Shaun Vickery

User avatar
Industry Expert
Posts: 889
Joined: Tue Feb 12, 2013 8:32 am
Location: United Kingdom

Post by Shaun Vickery » Thu Mar 26, 2020 12:30 pm
Lenders' processes are (surprisingly) actually often not that 'joined up'! It's no guarantee but I'd be inclined to give it a go - they can only say no! BTW No prizes for asking which team you support I don't suppose?
Highly Commended at the British Mortgage Awards. For individual mortgage advice go to http://clients.theselectpartnership.co.uk/
5 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”