After 28 months of anger and despair with a 'popular' company I finally got my C of C through the door today. As I am well past the six year point with regards to the IVA being on my credit file do I need to do anything now? Do I still need to send a copy to the credit agencies and my previous creditors? What is the quickest way to rebuild a credit rating as I would like to/need to buy a house in the near future.
Hi mark and congrats on getting your cc , I would sent a letter to the three credit agency's ( think there's a template on here )
You could try and get your £2 credit report from the agency's to give you an overview of your reports .
You could also apply for your free monthly credit report with noodle . I use this all the time .
To build your credit , you could get a mobile phone contract or apply for a credit card ?
As you have only just got your certificate through (congrats) i would at least give them a few weeks to update their record before going to the expense of sending of letters etc. There is NO quick way of rebuilding your credit record - this will take time - even with a few well managed products. As far as your mortgage is concerned - it is worth trying a whole market broker - there are two experts on here (Ryan & Shaun) who will give advice and point you to lenders who are more relaxed about ex IVAs
Last edited by ginger323232 on Wed Sep 04, 2013 7:52 am, edited 1 time in total.