no he defaulted on a credit card when he was 21 or so
and had to do an IVA thing, so its showing as a default on his report.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:41, 1 reply, 16 years ago)

If he made all his payments and has paid it off completely, he can ask for the credit card company to clear his name.
I think.
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Thu 3 Jun 2010, 9:45, Reply)

I think he's going to speak to Experian today
he's settled everything so he doesn't owe anyone anything, but I think the black marks stay on there for 6 years after they're registered and the company he owed didn't register them for a year after he defaulted, so it'll be a while.

I also need to sell my flat and I was going to go with one of those webuyanyhouse companies but someone in my block sold their flat for £20k under the value price so they've offered me a pittance based on that. I guess it's not meant to be, sadface offline.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:52, Reply)

Shame dude.
Hopefully it'll work out for the best.
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Thu 3 Jun 2010, 9:54, Reply)

nah it's not like that
you just have to tell them that the debt is settled and fill in some forms, once the debt is gone clearing credit rating isn't too bad.
(PsychoChomp, Thu 3 Jun 2010, 9:54, Reply)

really?
I'll get him to investigate that then, maybe all is not lost (although we still have to pull £15k from a hat somehow).
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:58, Reply)

You're talking weeks not months and years.

(PsychoChomp, Thu 3 Jun 2010, 10:04, Reply)

that's good, gives me a bit of hope
wonder how much I could make if I actually took up lapdancing for a while...men like ironic dancing don't they?
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 10:14, Reply)

That's what I thought.
Nice work.
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Thu 3 Jun 2010, 10:08, Reply)