What do i do now?

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Marty171

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Joined: Sat Jul 20, 2019 12:18 pm

Post by Marty171 » Sat Sep 07, 2019 6:06 pm
Previous thread:
f-f-offer-advice-please-t87869

tl:dr

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

Foggy

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Post by Foggy » Sat Sep 07, 2019 6:18 pm
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
http://foggy.blogs.iva.co.uk

kallis3

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Post by kallis3 » Sat Sep 07, 2019 8:57 pm
Just to add that Noddle is now Credit Karma.
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

Marty171

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Posts: 21
Joined: Sat Jul 20, 2019 12:18 pm

Post by Marty171 » Sat Sep 07, 2019 9:31 pm
Ok cheers sounds like im home and dry then just a waiting game for certificate then,

Ah ye im already on credit karma
IVA Started 07/07/2017
F & F Accepted 06/09/2019
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