Posted: Thu Mar 21, 2013 12:59 pm
My last few posts on here have been frustrated ones wondering why I hadn't got my completion certificate etc.. etc... but things are a lot more positive now so thought I'd post something up to give a bit of hope for anyone else frustrated
My IVA with Payplan ended in September last year (was meant to be July but I'd missed a few payments when I had to change jobs mid-term)
I got my completion certificate through last month and nearly had a party!
I've had a mobile phone in my girlfriends name for 6 years which has always annoyed me - and I've now managed to start my own contract with O2 after paying them a £250 deposit up front which I get back after 3 months.
This has already started to increase my credit rating as I have monthly payments going out my account in my name again.
Today I got approved for a £500 credit card with Vanquis which I'm over the moon with. One of my friends is a financial advisor and has told me to put my £200 a month Diesel fill ups on it then pay it all off before I get my statement - apparently this will help improve my credit rating massively.
Everything is looking up for me and my girlfriend to be able to get our first mortgage next year
I've just got 2 creditors that haven't marked the accounts as "settled" on my credit report - so writing to them today to get that fixed.
Having an account on experian and equifax so I can monitor my credit report each month is brilliant.
So to all those of you still waiting for completion certificates or getting frustrated with the IVA process - keep your chin up
My IVA with Payplan ended in September last year (was meant to be July but I'd missed a few payments when I had to change jobs mid-term)
I got my completion certificate through last month and nearly had a party!
I've had a mobile phone in my girlfriends name for 6 years which has always annoyed me - and I've now managed to start my own contract with O2 after paying them a £250 deposit up front which I get back after 3 months.
This has already started to increase my credit rating as I have monthly payments going out my account in my name again.
Today I got approved for a £500 credit card with Vanquis which I'm over the moon with. One of my friends is a financial advisor and has told me to put my £200 a month Diesel fill ups on it then pay it all off before I get my statement - apparently this will help improve my credit rating massively.
Everything is looking up for me and my girlfriend to be able to get our first mortgage next year
I've just got 2 creditors that haven't marked the accounts as "settled" on my credit report - so writing to them today to get that fixed.
Having an account on experian and equifax so I can monitor my credit report each month is brilliant.
So to all those of you still waiting for completion certificates or getting frustrated with the IVA process - keep your chin up