Another quick update to show those just embarking on this road that it is all worth while. I have had my IVA and all defaults removed from my credit record after six years and (I know this is just a guide and shouldn't be taken too literally), my Experian credit rating in the last 14 days has gone f...

Hi everyone. Have to say, fair play to my creditor. I wrote directly to them sending a copy of my completion certificate and chairmans report. Within 24 hours the said default has been removed and my credit rating shot up by more than 350 poInts. Am finally at the end of a very long and winding road...

Ok - I got a template letter to send to the one creditor, but they are not responding (nor have they responded to Experian). What do I do now? This default was INCLUDED in my IVA which has dropped off my credit record. This default should have gone at the same time. It's a very urgent matter, becaus...

Hi guys. I have a question which I hope an expert can answer for me. I entered into an IVA on 26th May 2010 (so the six years has recently expired)! This is brilliant and my IVA has dropped off my credit record, and I'm well on the way to repairing my battered credit record. However, there is ONE de...

Thanks Kallis. Great advice. Sorry I haven't been around lately - this place remains a fantastic one for support. The IVA route, which was so daunting at the time, was absolutely the right thing for me and five years down the line (can't believe it's been five years already), my life is totally perf...

Hi guys (especially the wonderful Melanie Giles, who set me on my way to debt freedom). I've been IVA free now since 2012, after initially entering into it in May 2010. I have a query which hopefully someone can answer for me. I've noticed on my credit report that some of my default dates are incorr...

Any advice out there?

Hi everyone...particularly the wonderful Melanie Giles. I have a query which I hope someone can answer. I completed my IVA in 2012 and on my credit report all but two of my debtors have updated their records saying that my debts are Satisfied. However. There are two that remain outstanding and showi...

Thanks for the info.
I've applied for one, so hopefully they will accept.

Hi all. Just wanted a bit of advice about ways to rebuild credit ratings? IVA was completed in July 2012 thanks to Melanie and her fab team. Since then, I've applied for no credit (haven't needed to), but would like to find ways of improving my credit rating for the future. I think I heard on here b...

Hi all. Still lurking from time to time and thought I'd send you all on here a happy Christmas message and to say to all of you still on (or about to embark) an IVA, that it really is the start of a road to recovery. Three years ago now, I was in the darkest place ever with my finances. Massively in...

Hi all....I'm still visiting from time to time, and thought I'd give you all an update. Melanie Giles and her fantastic team helped me to sort out a full and final settlement about a year ago after many many years of struggling to keep my head above water. This final settlement allowed me to complet...

Hi all. Just as promised, I thought I'd drop by to say everything is still going well, and is great to have no debts whatsoever. Starting my Open University degree in the new year, something I never thought I'd be in a position to do, and all thanks to this forum and Melanie's fab team. Just wanted ...

Definitely will be....And I haven't forgotton the phone conversation with you at the very outset of this journey. You made me feel so much more relaxed and comfortable about the decision I was about to take, and you are a star too! )

Hi all....I'm still around and pop in occasionally as you were all so helpful to me. Well the final FINAL step in my journey seems to have been completed as I have noticed my name has come of the Insolvency Register today. Can't say how happy I am to have got through the process and to be completely...