You may want to take steps to tidy it up yourself.
You might find this quick video I made about cleaning up your credit record useful:
Noddle, Clearscore and Totally Money are also free credit agencies to consider using:
MerlinL14 wrote:Since the end of my IVA and my credit file getting all pretty and positive I have never needed to provide my CC. However, I have 3 copies, one in the fire safe one in the Daughters house with other documents and one in my draw. You just never know!
I also have a scanned copy on several drives !
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