IVA Paid , Trying to get back on the road to recovering Credit rating.....

Savingmonkey_2

Sorry this is a repost as i posted previously in the wrong section , i was told to report it here so i hope its ok.

Well i posted here 6 months ago roughly about a problem i had regarding an IVA , 6 months later and alot of fighting i manage to resolve the issue and had my early settlement for the IVA finally agreed and paid.

Im now looking at the best ways to get finance back on track. So far i have sent my certificate to experian to say that i have completed the IVA, I have applied and got a Cash plus card with Credit builder.

I have got my self on the electoral role ( which actually made my rating go down lol )

Is there anything else that i can do to help things get back to normal or better regarding my credit ?

Thanks in advance

didaiva

Yes, sort out Equifax and Call Credit as well. There are 3 independent Credit Reference Agencies in the UK. All potentially could have different data on you.

And BTW: Whatever score Experian has given you is worthless. It means nothing as each creditor has their own scoring system and certainly is not worth paying them for. The only thing of any relevence is the data on the report.

Savingmonkey_2

didaiva wrote: »

Yes, sort out Equifax and Call Credit as well. There are 3 independent Credit Reference Agencies in the UK. All potentially could have different data on you.

And BTW: Whatever score Experian has given you is worthless. It means nothing as each creditor has their own scoring system and certainly is not worth paying them for. The only thing of any relevence is the data on the report.

Thats good to know , I guess they all require a monthly fee too lol . I take it that i can send them a copy of my certificate also for a speedier resolution ?