Search found 15 matches

Search found 15 matches Page 1 of 1
by MortgageTips
Wed Jun 13, 2018 4:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit file question
Replies: 9
Views: 5726
My IVA completed on 04/05/17 and I have the certificate. My understanding was that 6 years after the start date of the IVA, information on my credit file would "drop off" or at least I would need to push this along a little bit. However, having been brave enough to finally look at my cred...
by MortgageTips
Wed Jun 13, 2018 4:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit score
Replies: 9
Views: 4973
Hi everyone. I’m now in the exciting position of having made my final IVA payment and am waiting for my certificate of completion. August this year will mark 6 years and so therefore the IVA should disappear from my file. What I was wondering was if anyone knew anything about how much I can expect ...
by MortgageTips
Wed Jun 13, 2018 4:34 pm
Forum: annual review
Topic: Credit reference agencies
Replies: 13
Views: 5134
That's the three --- also make sure there are no Notices of Correction mentioning the IVA -- these have to be manually removed as they have no time limit and, if there, can give the game away! So dispite Experian saying they have updated their records the IVa is still showing and now there is a not...
by MortgageTips
Wed Jun 13, 2018 4:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Would I be eligible for the Help to Buy scheme
Replies: 4
Views: 5081
My IVA started in December 2013 and my creditors accepted a full and final settlement on 6 January 2018. I have my completion notice and my name is no longer on the insolvency register. My understanding is that the IVA will show until 6 years have passed but shows on m credit report as satisfied on...
by MortgageTips
Wed Jun 13, 2018 4:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will my credit score improve as iva drops off credit file?
Replies: 4
Views: 4610
Hi there my I’ve is due to drop off my credit file 07/06/2018 so next week . My credit score is so low my bank won’t upgrade my account until it goes soon as it drops off will my score in crease? Hi Andrew Have you checked your Credit report, has the IVA dropped off? If not you should call the Cred...
by MortgageTips
Wed Jun 13, 2018 4:11 pm
Forum: Ask IVA Forum and Industry experts
Topic: We did it!
Replies: 5
Views: 4183
Our 60th payment left the bank account today! Cant believe this is nearly over! It is amazing! Still remember first speaking to Mel and crying my eyes out at how non judgemental she was and how understanding she was about our financial difficulties and now we have made our 60th and hopefully final ...
by MortgageTips
Wed Jun 13, 2018 4:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit File after 6 years
Replies: 4
Views: 3937
If you get an Iva I know it stays on file for 6 years but when after a year it’s completed do the debts still stay on your account creditors I mean thanks Hi Jane226 Technically they drop after after 6 years, provided that the Credit Reference Agencies hold correct/accurate data. It's not unknown f...
by MortgageTips
Wed Jun 13, 2018 4:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Should creditors be removed from my credit file
Replies: 6
Views: 4000
Thanks for all your replies. I have only checked Equifax so far but will check the other agencies to see what they hold. The 2 partial settlements are both from old Santander current accounts I held prior to entering into a DMP before it moved to an IVA. They don't show as defaulted although as the...
by MortgageTips
Wed Jun 13, 2018 3:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Chances of getting a mortgage post IVA
Replies: 4
Views: 3673
Hi All , i settled my iva back in Oct 2015 completion cert appeared feb 2016. i have now received an offer for right to buy from council property value 183000 discount of 80900 what are my chances of getting mortgage ? salary is basic 39500 plus 4100 a year standby payment no other debts 1 settled ...
by MortgageTips
Wed Jun 13, 2018 3:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mortgage
Replies: 5
Views: 3328
Hi my husband and I have been out of our Iva now since April 2014 it is was completed early and dropped off our credit report Dec 2015. We have had no issues at all since and our credit score with Experian is 974/999 for me and 999/999 for my husband. We want to move and now have £100K equity in ou...
by MortgageTips
Wed Jun 13, 2018 3:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Final Curtain
Replies: 5
Views: 3009
bethany wrote:
I've just found out that all creditors (who voted) voted YES only 3 didn't vote at all- best day ever!


Congratulations Bethany
by MortgageTips
Wed Jun 13, 2018 3:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: Selling a house post IVA
Replies: 3
Views: 2157
The Trust argument only relates to assets unknown/not dealt with as part of the IVA proposals - i.e the PPI debarkle so if your property was declared and retained as part of the IVA and you have successfully completed it and obtained your CC then you are free to do what you want with your property....
by MortgageTips
Wed Jun 13, 2018 2:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Experian.......
Replies: 10
Views: 2159
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 ...
by MortgageTips
Wed Jun 13, 2018 2:16 pm
Forum: a success story
Topic: IVA Complete - My Payplan Experience
Replies: 4
Views: 1711
Well done, FinallyFree !
by MortgageTips
Wed Jun 13, 2018 2:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: Default notice
Replies: 3
Views: 1836
I have never missed a payment before I have entered into IVA . My credit report shows defults on all cards included in IVA. Are those meant to be there if I haven't missed a payment? Hi Joanna, Its nothing to worry about, as its normal for the creditors to default the accounts as soon as they here ...
Search found 15 matches Page 1 of 1