www.iva.co.uk

Posted: **Thu Jul 14, 2011 7:31 am**

Just a quick question. Trying to clean up my credit report. Will the amount of times i search my file cause my score to drop? I know it shows the searches under other and not credit searches but just wondered if i was causing myself problems?

Posted: **Thu Jul 14, 2011 8:01 am**

Hi Adders,

I don't think it matters if you search it as you are not a firm checking for ccedit.

I used to check mine frequently and it made no difference.

Posted: **Thu Jul 14, 2011 1:11 pm**

Being an ostrich sort of person I have never checked our credit rating and don't intend to until the IVA is over!! I know what it would say!!

Posted: **Thu Jul 14, 2011 1:14 pm**

You can check your own file as many times without affecting the score.

@kazzafunk - Not checking might be a good idea as mine is shocking.

58 out of 999!!!! [:(]

Posted: **Thu Jul 14, 2011 1:15 pm**

I always used to keep an eye on mine, especially after I had a couple of cards cloned. I registered with CIFAS and will do so again once the IVA is finished. I'm always wary of things these days and do like to keep a close eye.

I don't bother at the moment as nobody will be able to get credit in my name.

Posted: **Thu Jul 14, 2011 1:18 pm**

Now Luke you may have set me a challenge there!! I wonder if mine will beat that score??!!

Posted: **Thu Jul 14, 2011 2:03 pm**

I'd be impressed kazza if you did!

Posted: **Thu Jul 14, 2011 2:18 pm**

Can't be bothered to look!!! lol - that's what having ME does to you I'm afraid.

Posted: **Thu Jul 14, 2011 3:43 pm**

Ha ha, Mine was 4 and then dropped to 0. Beat that low score lol.

Then I found out that I had dropped off the electoral role for some reason so that must be worth 4 points....

Hopefully those precious 4 points will appear back soon!

Posted: **Thu Jul 14, 2011 3:50 pm**

Mine is 190/999. Makes me 3 times as creditworthy as you Luke!

God only knows how!

Paul

Posted: **Thu Jul 14, 2011 3:56 pm**

checkmyfile.com was quite useful as it gives info for all 3 agencies in one place.

My credit scores were 651 Call Credit, 534 Experian, 222 Equifax. I'm guessing it's prob cos my IVA shows up only on my Equifax record (including the paper versions).

In any case i think i'd still be screwed if i applied for anything lol.

Posted: **Thu Jul 14, 2011 4:12 pm**

On a positive note, at least my credit score can only go one way now

Posted: **Thu Jul 14, 2011 4:26 pm**

I've not looked at mine neither since starting my IVA nearly two years ago, seems little point!! lol

Posted: **Thu Jul 14, 2011 4:39 pm**

I have to admit to never looking at mine, I know I must when my IVA~ is over and will do to try clear it up but hoping you guys will be around to guide me as I've not a clue at what I'm doing or looking at x

Posted: **Thu Jul 14, 2011 5:12 pm**

I'm not really bothered - because me and hubby will he OAP's either during or just after the IVA completion then we're not likely to need any credit.

www.iva.co.uk

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