Getting your credit records post IVA is a little complicated.

Get expert opinion. This is the place for new questions to be posted.
32 posts Page 2 of 3
User avatar
Foggy
Forum Expert
Posts: 23906
Contact
by Foggy » Sat Aug 26, 2017 10:18 am
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.
User avatar
Imhotep
Posts: 382
by Imhotep » Sat Aug 26, 2017 10:22 am
It does? Odd.

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."
User avatar
Foggy
Forum Expert
Posts: 23906
Contact
by Foggy » Sat Aug 26, 2017 11:21 am
To contact Noddle click on the “Dispute” button which you’ll see at the bottom of each indivudual record on your credit report. Once you have opened a dialogue your world is your oyster :-)
User avatar
Imhotep
Posts: 382
by Imhotep » Sat Aug 26, 2017 12:09 pm
For me the 'Dispute' button only opened a series of drop-down menus for me to select my dispute from.

No telephone numbers at all. There was an email link. But I didn't have a scan of my completion certificate.
User avatar
Foggy
Forum Expert
Posts: 23906
Contact
by Foggy » Sat Aug 26, 2017 12:23 pm
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 :-)
User avatar
Rickne
Posts: 223
by Rickne » Mon Aug 28, 2017 9:57 pm
Great post guys. I will be looking at this soon. (mine still has a couple years to drop off)
User avatar
Imhotep
Posts: 382
by Imhotep » Tue Aug 29, 2017 3:35 pm
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.
User avatar
Imhotep
Posts: 382
by Imhotep » Tue Aug 29, 2017 3:37 pm
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 ;)
User avatar
Imhotep
Posts: 382
by Imhotep » Mon Sep 04, 2017 7:19 am
Hmm... not impressed with Noddle. IVA still showing as Active, despite me sending them a copy of my completion certificate
(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?
User avatar
Imhotep
Posts: 382
by Imhotep » Mon Sep 04, 2017 7:32 am
One other thing. My wife has signed up to Experian, Noddle and Clearscore. She signed up after the IVA was showing as 'Completed'.

She is scoring max points across all three :)
User avatar
Foggy
Forum Expert
Posts: 23906
Contact
by Foggy » Mon Sep 04, 2017 8:47 am
Hmmm -- mine disappeared completely --- no reference to it in any way that I could see. Noddle cleared the board overnight, even anticipating a few of the default dates.

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 !
User avatar
Imhotep
Posts: 382
by Imhotep » Mon Sep 04, 2017 9:22 am
Thanks Foggy. I'm going to contact Clearscore and ask for them to remove it.
User avatar
Imhotep
Posts: 382
by Imhotep » Tue Sep 05, 2017 7:21 am
Bit of a result. My Equifax score has jumped from 388 to 493 (rated 'Excellent') and all mentions of my IVA have been removed.
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 :(
User avatar
kallis3
Forum Expert
Posts: 71957
Contact
by kallis3 » Tue Sep 05, 2017 8:04 am
Almost there!!
User avatar
Imhotep
Posts: 382
by Imhotep » Tue Sep 05, 2017 8:19 am
Yep, finally :)

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.
32 posts Page 2 of 3
Return to “Ask IVA Forum and Industry experts”

Who is online

Users browsing this forum: JustPlainStupid and 18 guests