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Posted: Wed Oct 01, 2014 3:10 pm
by cherrypink
1 year after my full and final was approved, out of the blue my completion certificate arrived today!

There was a point when I thought this would never ever ever ever end (especially with the PPI mess) so it was a wonderful surprise to get it in the post even if it is months late!

What these last few years have taught me is to not rely on credit and I pay in full for things now. It's been a really long road...

This forum has been amazing throughout the entire process.

Does anyone know what the procedure is now to start rebuilding credit? Do I need to write to Experian etc? It's been 6 years since the IVA started.

Posted: Wed Oct 01, 2014 4:48 pm
by Foggy
Well Done Cherrypink -- officially out of the woods :-)

For credit clean up have a look here :

http://pjgrecovery.com/clean-up-credit-rating.asp