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IVA completed - Thanks - How do I improve my credit file?

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24 posts • Page 2 of 31, 2, 3

Re: IVA completed - Thanks - How do I improve my credit file

Postby THECOACH » January 13th, 2017, 11:58 pm

Bad spelling on previous post.

Been using wife & son account since 2010, thinking of putting my name on hers to make it joint.
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Re: IVA completed - Thanks - How do I improve my credit file

Postby Debtwizard » January 14th, 2017, 7:01 pm

Hello TheCoach

Been thinking about it, might be a good idea for you to start another thread, on opening a new bank account after an IVA.

I say this because I feel it will quite topical and we might be able to some other members ideas. So can I leave it with you to start a new thread?

Best wishes,

Mike
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Re: IVA completed - Thanks - How do I improve my credit file

Postby Debtwizard » January 16th, 2017, 11:50 am

Hello The Coach

I see Gallifrey posted yesterday on just your situation on a thread started 27 November 2016 so it is very recent and topical

Opening a new bank account after an IVA

You may wish to have a look and if any queries post on that thread.

Best wishes,

Mike
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Re: IVA completed - Thanks - How do I improve my credit file

Postby THECOACH » January 23rd, 2017, 9:29 am

Hi all,

how long does the IVA stay on your credit file?
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Re: IVA completed - Thanks - How do I improve my credit file

Postby Debtwizard » January 23rd, 2017, 11:04 am

Hello The Coach

Six years from the start date of the IVA.

I have copied a post (10 Jan 17) by James Jones from Experian from this thread

Hello The Coach

Congratulations on getting to the end of your IVA - no mean feat. This Q&A should give you a few tips on rebuilding your credit rating.

How do I update my credit report now my IVA has ended?

You should be able to send us a copy of your completion document by email and the address you need is consumer.helpservice@uk.experian.com. You'll find the contact details for the other two credit reference agencies (Equifax and Callcredit) on their websites.

Kind regards
James


Have a look at his link for more in depth information.

Best wishes,

Mike
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Re: IVA completed - Thanks - How do I improve my credit file

Postby THECOACH » February 5th, 2017, 9:09 am

Have notified experian, equifax, clearscore, callcredit, only one reply from clearscore, all the rest want signing up to,????

THE COACH
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Re: IVA completed - Thanks - How do I improve my credit file

Postby Debtwizard » February 6th, 2017, 6:27 pm

Hello The Coach

Are you saying that everyone apart from clearscore want you to pay a membership fee before they update your credit file to say the IVA has concluded?

If they are are you able to clarify a bit, like how much they are asking?

Best wishes,

Mike
How do we help at DebtWizard?

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Re: IVA completed - Thanks - How do I improve my credit file

Postby THECOACH » February 8th, 2017, 12:25 am

Experian, equifax, callcredit all want you to sign up @ about 15 pound a month or credit checker want credit or debit card to verify who I am don't have either yet.

No replies from any one after i sent certificate

THECOACH
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Re: IVA completed - Thanks - How do I improve my credit file

Postby Debtwizard » February 8th, 2017, 7:57 pm

Hello The Coach

My understanding is that you only need to update just one credit reference agency and the changes should show on your file irrespective of who (credit reference agency) is used to conduct a search.

I will ask James Jones from on our panel if he can enlighten on this.

Best wishes,

Mike
How do we help at DebtWizard?

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Simple debt advice - with no up-front costs
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Re: IVA completed - Thanks - How do I improve my credit file

Postby THECOACH » February 9th, 2017, 4:08 pm

ok thanks
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