Wow, just checked. It's 3 months to the day that I received my completion certificate and I've just checked the insolvency register and I'm not on there!. Hooray!!! I'm clear. It's hard to believe - I had to check twice but NO RECORD.
6 years will be up in November when I expect all defaults to drop off!. I have a Capital One credit card to build up a good credit record before end of year. I was surprised I got a £1500 limit and a reasonable interest rate of 26%. I won't use the credit facility and plan to pay off each month. So,in just over 6 months hope to have a clean credit file with no debts.
It's all worth it in the end. For those just starting the journey hang in there and keep focused on your goal.[:)]
Last edited by winter_blues on Wed Apr 20, 2016 7:41 pm, edited 1 time in total.
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
