Search found 843 matches

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Search found 843 matches Page 1 of 57
by Ryan
Wed Jun 20, 2018 8:20 am
Forum: Ask IVA Forum and Industry experts
Topic: What proof will be required to show that I can't remortgage
Replies: 4
Views: 536
We've done letters previously for Clients saying they are unable to re-mortgage and these have also been acceptable.

Regards
by Ryan
Tue Jun 19, 2018 1:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit file record after IVA
Replies: 3
Views: 580
HI Scook, All defaults should have the IVA start date recorded against them, if not contact the Companies concerned and they will amend the date. The defaults will then remain on your credit reports for 6 years from that date as will the IVA. It's best to check all 3 credit reports if you haven't al...
by Ryan
Mon Jun 18, 2018 1:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Getting credit score in order post IVA
Replies: 8
Views: 917
Your score may not improve significantly until 6 years after the IVA began and it's at that point (unless you settled the IVA relatively early) that we can look at re-mortgages with High Street Lenders. Make sure to check all 3 of your credit reports (Experian, Equifax and Callcredit/Noddle) as diff...
by Ryan
Mon Jun 18, 2018 9:23 am
Forum: Ask IVA Forum and Industry experts
Topic: Experian.......
Replies: 13
Views: 3095
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
by Ryan
Mon Jun 18, 2018 7:23 am
Forum: Ask IVA Forum and Industry experts
Topic: When can we get a mortgage?
Replies: 3
Views: 1027
Hi Pam,

We'd be happy to look at your situation if you were to contact us.

Regards
by Ryan
Fri Jun 15, 2018 9:12 am
Forum: Ask IVA Forum and Industry experts
Topic: Full and final
Replies: 2
Views: 1746
Excellent news.

Regards
by Ryan
Fri Jun 15, 2018 8:32 am
Forum: Ask IVA Forum and Industry experts
Topic: Experian.......
Replies: 13
Views: 3095
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
by Ryan
Wed Jun 13, 2018 10:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Default notice
Replies: 3
Views: 2682
You want the accounts defaulted as early as possible so that, as Foggy says, they will fall off your credit reports after 6 years. If all your Accounts have been defaulted that's good and will save you plenty of time when you have completed as you won't have to get the dates amended which can take a...
by Ryan
Fri Jun 08, 2018 4:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paying off an IVA and remortgaging
Replies: 1
Views: 3775
Hi Mat, It's unlikely you'd be able to take your wife's name off the Mortgage unless she was moving out of the property. Its all to do with obtaining vacant possession and in our experience most/all Lenders aren't willing to do so as down the line it could lead to issues for them if they were lookin...
by Ryan
Fri Jun 08, 2018 2:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final Curtain
Replies: 5
Views: 3866
Excellent news, congratulations.


Regards
by Ryan
Thu Jun 07, 2018 7:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage
Replies: 5
Views: 4169
Hi Kelly,

Lenders have differnet criteria as to when/if they will lend following an IVA. We'd be happy to look at your situation if you were to contact us.

Regards
by Ryan
Wed Jun 06, 2018 8:11 am
Forum: Ask IVA Forum and Industry experts
Topic: Chances of getting a mortgage post IVA
Replies: 4
Views: 4528
If your IVA began over 6 years ago it's certainly something that we have managed to do for Clients previously. We'd be happy to look at your situation if you were to contact us.

Regards
by Ryan
Tue Jun 05, 2018 7:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit File after 6 years
Replies: 4
Views: 4681
Hi Jane,

It's worth checking all 3 credit reports (Experian, Equifax and Callcredit/Noddle) as different Lenders subscribe to different Reports and some will check more than one.

Regards
by Ryan
Tue Jun 05, 2018 7:20 am
Forum: Ask IVA Forum and Industry experts
Topic: Should creditors be removed from my credit file
Replies: 6
Views: 4768
Hi Darren,

It's worth checking all 3 credit reports (Experian, Equifax and Callcredit/Noddle) as different Lenders subscribe to different Reports and some will check more than one.

Regards
by Ryan
Mon Jun 04, 2018 9:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Will my credit score improve as iva drops off credit file?
Replies: 4
Views: 4928
Hi Andrew,

It's also best to check all 3 credit reports (Experian, Equifax/Clearscore and Callcredit/Noddle) to make sure that all 3 have the correct information as different Lenders subscribe to different reports and some will view more than one.

Regards
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Search found 843 matches Page 1 of 57