Imhotep wrote:Well, nothing in section B about a caution.
In the meantime, I'm still listed on the Insolvency Register with a note saying 'Completed'. Yeah, it has almost been a month but I just want to see my name off it.
Experian I get a whopping 999/999 already.
Equifax have it still listed "You have had at least 1 public record in the last 6 years". Months since last record entered: 81. Err... isn't that longer than six years?
I've asked for it to be removed as it is completed. They checked, and agreed. Should be off within the next 4-5 days. Should bump up my Clearscore from the current 388.
Callcredit / Noddle seem to be way behind. Still showing as active. I've disputed it and sent off a copy of my completion certificate (the first one I've had to send off so far).
Hope this is of use to people nearing the end or completed their IVAs.
999 on Experian means they can't give an accurate score for some reason. Noddle were great with me, once I had a friendly word in their ear (not a complaint, just a query, during which I gave them the benefit of the whole saga:-) ) and they cleared my report practically overnight.
At least the IVA is showing as completed, which indicates that they have been told about it -- it should drop off in a couple of months.
I haven't been able to contact anyone at Noddle. I can't find any telephone numbers on their site anywhere.
Edit: It seems to be correct. I've just been in and had a look.
My previous score was 879 and I had a 120 point bump on the 21st because:
"You no longer have any CCJs, Bankruptcies or IVAs on your Experian Credit Report. This has had a positive effect on your Experian Credit Score."
Foggy wrote:Yes, I hate those drop downs -- never give you the option you actually want. I just pick one and carry on, then hope for someone helpful to reply and open a dialogue
Did not get anywhere. Rang CallCredit and explained. Reply was "Noddle is online only, you cannot speak to people, you have to email".
Shame, but we'll wait and see what happens.
Rickne wrote:Great post guys. I will be looking at this soon. (mine still has a couple years to drop off)
Thanks Rickne. I know some have found all this relatively easy but I haven't
Probably worse because I'm in a rush due to the car. Don't be in a rush
(which they received a week ago, sent recorded delivery). I've just chased it up and asked why is it still listed.
Equifax have sort of taken it off, but under their 'Credit Score' tab I can still find it. "You have had at least 1 public record in the last 6 years" (Months since last record entered 81) - I think they need a calculator.
Clearscore list it as being 'Discharged'. But should it really be visible at all?
I guess it is like my tussle with the Insolvency Service over the Register entry at the time ... it depends on who picks up your email at the other end !
Just waiting for it all to filter down to Clearscore now.
Noddle have assured me that the IVA information will be removed from my next report (in six days).
I'm still on that damn Insolvency Register though, one month down two to go
In hindsight I wish I hadn't signed up to Noddle and Clearscore while still in the IVA. There really is no point, your credit rating is pretty much shot.
My wife waited until after completion and there isn't even a whiff of it anywhere.
BTW we were in our IVA for 81 looong months.
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