6 years up, now what?

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littlefi
Posts: 1020
Joined: Tue Apr 05, 2011 7:21 pm
by littlefi » Thu Jun 08, 2017 9:26 am
Hi all, don't know if you remember me, I did a full and final about 4 years ago, but now the day has come as of 6th June my 6 years is up!

So I have ordered my Experian and Equifax credit reports. I think there's another one I need to order. The Equifax is showing the IVA at my previous address. What do I do now? I want to crack on with clearing things. I was lucky I got a mortgage so my credit itself is not looking horrible but obviously not good with the IVA still showing, Any help would be much appreciated.

Also a quick note to those going into and IVA, it helped me IMMENSELY, I lost a business in the recession but as a sole trader it was down to me. I thought we would never recover, but we did, it was hard at times but definitely worth it!

Thanks all, Fiona
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Foggy
Forum Expert
Posts: 22413
Joined: Fri Dec 17, 2010 11:14 am
by Foggy » Thu Jun 08, 2017 9:34 am
Hi :-)

Have a read here:

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

And also have a look at my latest blog entries ( link in my sig, below) where I went through this barrier recently.

Call Credit is the missing agency on your list :-)

The CRA's have contact details on their websites -- I found dealing with them by email to work very well -- and Call Credit were very good and also helpful.

Onward and Upward :-)
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littlefi
Posts: 1020
Joined: Tue Apr 05, 2011 7:21 pm
by littlefi » Thu Jun 08, 2017 9:37 am
Thanks so much! I just emailed you too, I'm happy to share my story!
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littlefi
Posts: 1020
Joined: Tue Apr 05, 2011 7:21 pm
by littlefi » Thu Jun 08, 2017 9:43 am
Is callcredit also Noddle, I'm registered with them, is it the same thing?
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Ryan
Industry Expert
Posts: 526
Joined: Thu Nov 03, 2011 10:03 pm
by Ryan » Thu Jun 08, 2017 9:47 am
Fiona,

Yes Callcredit/Noddle show the same information.

Good news that your 6 years is up.

Regards
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littlefi
Posts: 1020
Joined: Tue Apr 05, 2011 7:21 pm
by littlefi » Thu Jun 08, 2017 9:52 am
Thanks Ryan, it's been a long time but an end of an era and that's good!
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Foggy
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Joined: Fri Dec 17, 2010 11:14 am
by Foggy » Thu Jun 08, 2017 9:53 am
littlefi wrote:
Is callcredit also Noddle, I'm registered with them, is it the same thing?



Yes, Noddle is powered by Call Credit, and a very helpful bunch too :-)
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Lisa Thomas
Industry Expert
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Joined: Wed Dec 03, 2014 10:26 am
by Lisa Thomas » Thu Jun 08, 2017 10:50 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/
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