If it is a Notice of Correction the CRA will not normally need sight of a completion certificate to remove it. Many thanks I assume getting by booking fee back is non starter Do they have a legal right to disclose private information on my credit file to the mortgage company without my agreement ?

I now understand the mortgage advisor did disclose what they saw on the credit file and said they were duty bound to disclose it to the lender What if i had never sent the credit file to the mortgage advisor ? Do they have to do that ?? Obviously the lender dont appear to have been concerned initial...

Many thanks all I need now is find now is my completion certificate sent 6 years ago Can I request a copy it , if I can’t find it. I have a letter on formal paper in 2012 confirming it had ended but that was for work purposes would that be ok for the credit agency ?? Also is there a good place to as...

I have been turned down for a mortgage very late and for two reasons one of the reasons, the IVA marker is still on the credit file. The IVA was taken out July 2010 and I completed it in 2012 . Why would it still be there ?, should it not have gone by now , its 8 yrs after it was taken out and 6 yea...

Something was put on the house maybe we couldn’t sell it without referral etc maybe a ‘interest noted’ I wonder if that came off and its help my partner ? Anyway will look into it

Thanks Kallis3 , long time no chat This site was beacon of help back in those early days although I do remember being rather opinionated back then ! Ill request fresh credit rating report and see what it says I assume there is never a ‘marker’ on a address My partner had issues with credit (no bad h...

I took out a IVA in June 2010 and although I paid it off early cira June 2012 my credit rating is still very bad I applied for a credit card in May 2016 and was turned down in 1 second on line ! I was vaguely aware of this 6yrs rule, will the IVA marker drop of my credit rating or do I have to write...

Many thanks, it seems silly to stay with umbrella for tax reasons etc. Not seen cash plus interesting

I have been contracted now for nearly 4 years and its about time to move from umbrella to setting up a Ltd company. Guy said that would be easy assuming credit rating ok Obviously it isn't although i finished my IVA early (2 yrs ago) the 6 yrs won't be done till next year so is still on credit searc...

I just had a letter from my IP telling me of companies trying to say IVAs were missed sold. What has alarmed me in this generic letter it says my IVA has gone to the closure team. This IVA was settled early 2.5yrs ago and I was given a completion certificate! I still get 6 monthly/Yearly chasers fro...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Lyndon.jm I went into an iva back in 2007 and have been out of it now for 18 months. I've just put in for ppi . If I am successful with my ppi would I still need to hand over anything I get back or wil...

All my default dates are on the date I entered the IVA or before which is good. I completed about a year ago, many creditors show know 'settled date' . Is that important would it improve my 'credit score' if I wrote to them ?

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Skippy I had a Vanquis card for a while and, when my BR dropped off my credit file I applied and was accepted for a Nationwide Select credit card. I was banking with Nationwide at the time so presumabl...

Looking at the stuff some references on the final settlement from the IP don't match exactly with the letters I'm getting. I saw one creditor (Northern Rock) didn't even 'vote' and still sending stuff via their appointed creditor ??

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy Have a look here for a start -- I am sure there is more advice out there: http://www.beatmydebt.com/iva/improving-credit-rating-after-iva.htm Thanks, firstly all my default dates are either at ti...