Credit Agencies

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hammer1

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Post by hammer1 » Thu Jul 31, 2008 9:47 pm
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What are the credit agencies you have to contact on completion of IVA ?? where do you send the Cert. copy too??
Not sure what happened but I am all paid up and finished...they even owe me money now :)))
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kallis3

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Post by kallis3 » Thu Jul 31, 2008 9:49 pm
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Experian is one, Equifax is another and I think there is another one, but can't remember what that one is.
Sharing from experiences of dealing with debt
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size5

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Post by size5 » Fri Aug 01, 2008 12:23 am
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Callcredit is the other one.

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Wizzard

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Post by Wizzard » Fri Aug 01, 2008 9:45 am
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You have to contact Credit Agencies on completion of IVA ..... Why???
Last edited by Wizzard on Fri Aug 01, 2008 9:46 am, edited 1 time in total.
When I was young I was called a rugged individualist
When I was in my fifties I was considered eccentric
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LoneRanger

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Post by LoneRanger » Fri Aug 01, 2008 11:02 am
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I think its just to ensure they are informed that the IVA is completed and is recorded as so. I assume they are notified anyway but i guess its incase they are not
Steve.

IVA approved!
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Lisa2009

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Post by Lisa2009 » Fri Aug 01, 2008 11:07 am
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Well i didnt know that. Hubby recieved completion certificate months ago and we just assumed the IP would let them know. Silly us, better get on to it.
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Wizzard

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Post by Wizzard » Fri Aug 01, 2008 12:54 pm
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I've no intention of going into debt again ... so I don't really care what Credit Agencies think of me [:D][:D][:D]
When I was young I was called a rugged individualist
When I was in my fifties I was considered eccentric
Here I am doing and saying the same things I did back then and now I'm labelled senile
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plasticdaft

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Post by plasticdaft » Fri Aug 01, 2008 2:00 pm
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Surely your Ip should be doing this given that you have just helped to pay his wages for the past 5 years!!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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TheMatrix

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Post by TheMatrix » Fri Aug 01, 2008 2:14 pm
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Not your IP's role, they act on behalf of creditors. Down to you to inform the CRA's and get those files cleaned up.

Just one point, even if you do not want credit again it is still important to get your CRA file cleaned up.

Still will be a minimum of 6 years before the IVA comes off, but at least it will be marked satisfied. While your at it I'd get all those defaults sorted too which were included within the IVA
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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Viki.W

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Post by Viki.W » Fri Aug 01, 2008 3:33 pm
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Here they all are:-

Experian Limited www.experian.co.uk 0870 241 6212
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF

Equifax www.equifax.co.uk 08705 143 700
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US

Callcredit PLC www.callcredit.co.uk 0870 060 1414
Consumer Services Team
PO Box 491
Leeds
LS1 1WZ

Care of Skippy's post a while ago. [:)] X
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hammer1

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Post by hammer1 » Fri Aug 08, 2008 12:44 pm
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inaiva wrote:

Not your IP's role, they act on behalf of creditors. Down to you to inform the CRA's and get those files cleaned up.

Just one point, even if you do not want credit again it is still important to get your CRA file cleaned up.

Still will be a minimum of 6 years before the IVA comes off, but at least it will be marked satisfied. While your at it I'd get all those defaults sorted too which were included within the IVA

Just to confirm, thats 6 years from when the IVA started. So after the 5 years, there should only be one year left. or is it 6 years from when the IVA is completed, meaning a total of 11 years[:0]
Not sure what happened but I am all paid up and finished...they even owe me money now :)))
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rayb

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Post by rayb » Fri Aug 08, 2008 12:52 pm
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6 Years from when the IVA started
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TheMatrix

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Post by TheMatrix » Fri Aug 08, 2008 12:55 pm
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It should be a maximum of 6 years from when your creditors meeting was held, but some creditors have been incorrectly marking defaults on my file post iva creditors meeting date.

VERY VERY NAUGHTY OF THEM

This will get sorted just as soon as I get that certificate of completion as nearer that time I'll be writing to the CRA's to get the dates corrected under both the Consumer Credit Act and Data Protection Act's
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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hammer1

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Post by hammer1 » Sat Aug 09, 2008 4:54 pm
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inaiva wrote:

It should be a maximum of 6 years from when your creditors meeting was held, but some creditors have been incorrectly marking defaults on my file post iva creditors meeting date.

VERY VERY NAUGHTY OF THEM

This will get sorted just as soon as I get that certificate of completion as nearer that time I'll be writing to the CRA's to get the dates corrected under both the Consumer Credit Act and Data Protection Act's

Saying that, I got some offer through my bank a good while ago about a loan[:0], not that I asked for one, any way they said it got declined (which I could of told them, if they bothered[:(!])
Anyway the bloke on the phone said my file has got that I am bankrupt[:0].whats that about then.
Obviously I will have to sort this once my IVA is completed?
Not sure what happened but I am all paid up and finished...they even owe me money now :)))
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Adam Davies

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Post by Adam Davies » Sat Aug 09, 2008 5:47 pm
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Hi
It's six years from the date of your IVA acceptence.After this it will fall off the bottom of the credit report.
I am not sure if it pays to let the agencies know,could any adjustment to your credit file stay on the record for another six years ?
Personally I would let the six year time statute clear your credit file
Regards
Andam Davies
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