IVA started 07/07/2017, F & F offer accepted on 06/09/2019, Vanguard advised it can take a few months to fully complete everything and get the certificate which i understand.
But like what do i do now? It feels so surreal
Im going to start working on my credit file, I've had reports from all 3 agencies and there is a few wrong default dates, i'll try and get them corrected but other than that what else is there to do? is is just a waiting game till the 07/07/2023 when they drop off my credit file or is there anything i can be doing now to start rebuilding credit?
IVA Started 07/07/2017
F & F Accepted 06/09/2019
Completion Certificate 16/12/2019
There is not a lot to be done really--- chase the completion certificate if, as and when required. Keep an eye on the Insolvency Register to make sure you come off that.
Sign up to Noddle or similar to keep an eye on the credit files.
I signed up for Vanquis to get some sort of credit history going --- just spend a few quid on it monthly and pay it off every month.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
