www.iva.co.uk

I received my COC just over a week ago and it is a huge relief that it is finally at an end.

I have obtained my credit file from Experian today (£2 report)I can see the credit things that say if I paid on time and I understand that, but I dont understand what my defaults would look like (unless they have come off)

I have 000000 across the board which means I am up to date and in credit (I think). I have some outdated reports from 2007 that are mostly 00000000 with the occasional UUU. These seem to be an old bank accounts. Does it look as though my defaults have gone?

Also, Noodle has a loan/ card tool to see what you will most likely be accepted for based on your profile. Is this based on your credit profile or based on the 6 questions you just answered?

Finally, I have serveral pages of insurance quotes. Does this have any effect on my rating?

If you started the IVA over 6 years ago the correctly dated defaults will have dropped off. You need to check your files with Equifax and Call Credit too as different agencies often hold different information.

As far as I know, insurance quotes are "soft" searches and won't affect your rating. Only actual credit applications may affect your score.

I find that insurance 'quotes' show up even if I've not asked for any! Not bothered as it makes no difference to my score.