Posted: Thu Jan 05, 2012 12:36 am
Hi all
Sorry if I sound a bit dumb but can someone tell me if I can do anything about my credit report.
I entered in to an IVA in Nov 2006 and made a full and final settlement in DEC 2010.
I have just checked my credit report for the first time since (been putting it off knowing it will be a write-off) to find that I have two companies still in the red as default. One says default 2006 but not settled after it (Max recovery MBNA), the other (Cahoot ) says default DEC 2010, both where in the IVA at the start and settled in 2010
All the other companies in the IVA still have defaults in 2006 with settled in 2010 which is what I would expected
My first question is can I have the 2010 default removed as it was put on years after the IVA started. Secondly can I request that the other default be shown as settled and lastly should all the defaults come off my record later this year ( 6 years after)
I would like to get my credit rating back up a bit this year if its at all possible as I need to change my mortgage ( in a interest only mortgage at the mo)
Thanks In advance
Rob
Sorry if I sound a bit dumb but can someone tell me if I can do anything about my credit report.
I entered in to an IVA in Nov 2006 and made a full and final settlement in DEC 2010.
I have just checked my credit report for the first time since (been putting it off knowing it will be a write-off) to find that I have two companies still in the red as default. One says default 2006 but not settled after it (Max recovery MBNA), the other (Cahoot ) says default DEC 2010, both where in the IVA at the start and settled in 2010
All the other companies in the IVA still have defaults in 2006 with settled in 2010 which is what I would expected
My first question is can I have the 2010 default removed as it was put on years after the IVA started. Secondly can I request that the other default be shown as settled and lastly should all the defaults come off my record later this year ( 6 years after)
I would like to get my credit rating back up a bit this year if its at all possible as I need to change my mortgage ( in a interest only mortgage at the mo)
Thanks In advance
Rob