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Posted: Fri May 13, 2016 4:47 pm
by annearchie
I've recieved today my completion cert. what do I have to do now other than drink red wine tonight!!!
Posted: Fri May 13, 2016 4:53 pm
by kallis3
Great news!!
IVA will be live on your credit record until six years are up and will take up to three months to come off the Insolvency Register.
Check your credit records on all three agencies to make sure that no defaults are registered after the date of the original IVA and if they are still showing then the creditors need to have a copy of your completion letter and told to taken them off.
Posted: Fri May 13, 2016 4:57 pm
by Foggy
More wine and have a read here ( maybe tomorrow):
http://debtcamel.co.uk/repair-credit-record-iva/
Posted: Fri May 13, 2016 5:03 pm
by lifenoteasy
Book a holiday.
Critical thing we have found is that the free cash does not make us better off - you find out where some adjustment or savings had been pushing the boundaries.
Posted: Fri May 13, 2016 10:47 pm
by watzki
Congratulations and party time
Posted: Sat May 14, 2016 3:12 pm
by MerlinL14
Congratulations. After I had received my CC I did nothing. Sat back and just waited for the 6 year 'anniversary' plus 2 months to allow for the slow creditors. To be honest, other than take steps to increase my credit score (after the 6 years were up and my reports were all clear) I was lucky enough that no action was needed by me to clear anything.
Posted: Mon May 16, 2016 10:00 am
by Lisa Thomas
Well done and best of luck for a debt free future. Tidy up your credit rating as Foggy suggests and check you come off the register too.