Credit Repair

[TonyF]

I have a couple of queries: first, as a customer of Virgin Media, should that feature as part of my credit report? Second, is it worth trying to repair credit whilst in the final 6 months of IVA? I know a credit card will be out of reach, but I was looking at the pre-paid card + credit builder.

Thank you.

[Shining]

It won't hurt to check your files and make sure all the default dates are correct so they drop off in accordance with the correct dates.

[lloyd01]

Virgin Media definitely shows on Experian

[Hair_bobbles]

Yep- virgin media will be on your credit file. & to be honest ( although this is only my opinion) I don't think trying to obtain a credit card will make much of a difference to your credit rating until all defaults & iva have dropped off.

We've found ( with experian) that as soon as they took the iva off our files & the fact that my husband has mobile contract & virgin being paid on time everymonth with no missed payments our ratings are in the excellent nearly 999 range. ( for myself all I have is a bank account on there that I keep in good order & yet my credit score is 976)

But those credit rating don't mean anything until all defaults have dropped off- why bother with a credit card if those other things prove a good history of payment?

so I personally think this getting a credit card to rebuild your credit rating is an urban myth!! Unless of course someone in the banking/financial credit rating sector can categorically prove otherwise!!

[TonyF]

Thanks for the responses so far. It's an obvious minefield this credit repair issue.