Six years

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Hughie.05
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by Hughie.05 » Mon May 29, 2017 1:31 pm
Hi all. Just realised in August it will be the six year anniversary of the start of my iva. Thankfully I managed to do a f and f about four years ago when I was made redundant. I must admit I am infinitely better with money now than I was pre iva! Question is should I do any credit checks come August time? Though to be honest getting credit is the furthest thing from my mind!
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kallis3
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by kallis3 » Mon May 29, 2017 1:43 pm
Hi,

Well done on reaching the end of a long road!

Check all three credit agencies in August to make sure your record is clear.
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Lisa Thomas
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by Lisa Thomas » Tue May 30, 2017 8:57 am
You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/

Best of luck.

If there are any defaults that were not backdated to start date of IVA you might have to manually chase each creditor to get them to adjust their records.
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Ryan
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by Ryan » Fri Jun 02, 2017 7:54 am
Great news Hughie.

There's no point in doing unnecessary credit checks but as has been said make sure that all 3 of your credit reports are all clear and up to date. Best to check them all individually though as checkmyfile only shows limited information.

Regards
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luluj
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by luluj » Fri Jun 02, 2017 3:08 pm
Well done - good advice from Ryan re not checking unnecessarily.
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Foggy
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by Foggy » Sat Jun 03, 2017 2:29 pm
Hi and well done -- soon be "in the clear" so to speak :-)

Have a read here:

https://www.iva.co.uk/what-does-an-iva- ... dit-record

Also have a look at my blog ( link in the signature below ) the lastest couple of entries are all about my experience of this.
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