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Please see this link about my own case - hope it helps. Don't be discouraged; don't give up!

[link now removed]

However, I suspect that since you entered into IVA in 2008, the IVA public record and "3600" 債務重組codes are still in your TU record. Can you confirm whether they still appear on the report? Look for wordings such as "開設債務重組戶口" or "達成債務安排"。

if yes, only time can heal.  It'll take seven years from the date the IVA took effect for it to be removed from the public records section of your TU. 5 years after the closing of your 債務重組 accounts for them to fall off from your TU if late payments are reported (late payment may not be due to your  own fault but because of the payment schedule of your IVA accountant). If no late payments are reported. You can apply with your previous creditors to have their accounts on the TU record removed - but that will also affect your TU rating.

[ 本帖最後由 thunderchild 於 2015-1-26 04:03 AM 編輯 ]



其實serco.simon網友同小弟都不過想分享個人IVA後攞大行咭經驗,希望chloe網友可作少少參考,又唔係有利益,說話大可以客氣點吧?


serco.simon , Chloe

小弟也是一次嘗試申請大貓Master Card,Credit line 批 $178,000
之前一路用兄弟Visa, $30000 credit line

所以Chloe不要灰心,給點耐心,有志者事竟成!

[ 本帖最後由 thunderchild 於 2015-1-24 09:29 AM 編輯 ]



引用:
原帖由 serco.simon 於 2015-1-23 10:49 PM 發表

你用大新? 一批就咁多,你月薪多少



http://i.discuss.com.hk/d/images/r10/androidD.jpg
HXBX $60,000
上星期申請,今日收咭,本來估佢只批幾萬我都好滿意,只想重啟和獅子客戶關係

[ 本帖最後由 thunderchild 於 2015-1-23 11:06 PM 編輯 ]



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引用:
原帖由 chloelan 於 2015-1-23 11:56 PM 發表

因為咁既。。我係BOC 理財客戶有存款,若咁都申請唔到。。死咗條心算數唔諗。我已經唔會再爭$ 架喇! 所以唔會先洗未來$



http://i.discuss.com.hk/d/images/r10/iphoneD.jpg
我都係以HXBX理財客戶身份申請咭,機會大好多,祝成功!



重整HSBX有份,恆x未幫親過


引用:
原帖由 gigikai33 於 2015-1-25 04:57 PM 發表

講真, 其實做過債務重組, 無論你以後TU 有無變返好, 都已經好難做到
你係中銀借到mortgage, 我估計好大程度係你另一半入息唔錯, 你先會借到
味嚇人啦師姐,小弟一樣出到HXBX credit card,重組五年半後,第一次出咭有十七萬多 limit



其實小弟星期五已貼上和chloe分享鼓勵她有志者事竟成,不過稍後 delete

我雖然不明白個別壇友唔幫人鼓勵人仲要單打的態度,姑且再貼一次
[pic now removed after illustrating my point]

[ 本帖最後由 thunderchild 於 2015-1-26 03:57 AM 編輯 ]



引用:
原帖由 angeltsy 於 2015-1-25 10:58 PM 發表




重組時有無欠HSBX嘅錢?



http://i.discuss.com.hk/d/images/r10/iphoneD.jpg
有,廿多萬



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引用:
原帖由 chloelan 於 2015-1-25 11:02 PM 發表

我明白你用意,多謝你吖。。我只係想知點可以清record ..可能等多幾年。。但d 單打說話我唔想理會,簡直「憎人富貴厭人窮」

重申:我係iva ..提早完成!並唔係破產。。再次thank you 師兄你



http://i. ...
留意我第一個post(英文),留意TU 上是否尚有:
(1)公眾記錄
(2)「開設一貸款重組賬戶」
(3) 「達成債務安排計劃」

(2)及/或(3)有無遲還



引用:
原帖由 chloelan 於 2015-1-25 11:13 PM 發表

我睇咗明白吖。. .. 只係我回應返,唔明點解d 人咁單打



http://i.discuss.com.hk/d/images/r10/iphoneD.jpg
香港TU都係大致採用"FICO" formula,我都係參考以下links資料改善評級
http://www.myfico.com/crediteducation/whatsinyourscore.aspx
http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-scoring-secrets/m-p/17190/highlight/true#M4731


利用已有credit card,留意TU 上(不是月結單上)每月截數日,截數日前早幾日前全清(不是 min pay),TU就會快升,這關乎FICO formula 上 revolving credit utilization 的parameters

[ 本帖最後由 thunderchild 於 2015-1-26 10:24 AM 編輯 ]



引用:
原帖由 disclaimer 於 2015-1-26 08:27 AM 發表


原來如此,卓越最少幾錢開戶?

一般首批(唔係累積加上去)credit limit係收入嘅50%

即係斷估老細月入3-50萬?





話時話

老細係咪中震濤式破產?
即係有錢唔還扮破產,定真係冇錢破產個隻?
係重組,唔係BK
小弟只係打工仔,唔係老細,年薪$770K
今次係十幾年來第一次出大貓咭
我其實都好感激大貓俾機會我重啟客戶關係!
稍後會搬埋出糧戶口過去

[ 本帖最後由 thunderchild 於 2015-1-26 10:40 AM 編輯 ]



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