3 payments into my IVA nearly, and it's a culture shock I have to say. The old go to credit card for this and that strategy is now gone and takes some serious getting used to. Steep learning curve and slowly but surely the post is getting lighter and lighter.
Started noseying at my credit reports and am bit confused. On clear score at minute and it details some defaults this month (no specific dates), yet IVA was agreed 19may. Would it even be worthwhile to chase it up for amendment?
Also it indicates my wife has financial connection to me. We did have a joint account but was closed a while before IVA as we never used it. Should I query that, or is it a case that it stays on file until 6 years after we closed it?
Any advice would be appreciated.
On the default front you say "no specific dates" ... are the accounts actually marked as "Defaulted" or are you calling late / missed payment markers defaults ( which they are not). A formal default will have a default date.
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