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DRO ending in 6 months
debtorwithaquestion
Posts: 139 Forumite
in IVA & DRO
6 months of my DRO have FLOWN BY!
Really looking forward to the moratorium ending and for the journey of credit file cleanup to start.
Is it best to follow the clean up advice on this forum OR wait for my credit files to automatically be amended by each creditor ?
Has anyone who's had a DRO been able to get a vanquis or luma etc to help build their credit rating after their DRO has been discharged?
Purely for mending my credit score...
Really looking forward to the moratorium ending and for the journey of credit file cleanup to start.
Is it best to follow the clean up advice on this forum OR wait for my credit files to automatically be amended by each creditor ?
Has anyone who's had a DRO been able to get a vanquis or luma etc to help build their credit rating after their DRO has been discharged?
Purely for mending my credit score...
0
Comments
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debtorwithaquestion wrote: »6 months of my DRO have FLOWN BY!
Really looking forward to the moratorium ending and for the journey of credit file cleanup to start.
Is it best to follow the clean up advice on this forum OR wait for my credit files to automatically be amended by each creditor ?
Has anyone who's had a DRO been able to get a vanquis or luma etc to help build their credit rating after their DRO has been discharged?
Purely for mending my credit score...
I would say sod my fictitious credit score, and stay well away from credit cards in the future !!!
Your credit file will show defaults for 6 years no matter what.
Look on your DRO as a lucky break, and don't fall into the credit trap ever again !!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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