Credit reports and completion certificate

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louiseh

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Post by louiseh » Wed Apr 17, 2013 9:55 pm
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Is it possible to clean up your credit report before the completion certificate is received? I have a few defaults that are a few months after the start of my iva, it is unlikely that I will receive by certificate before the 6 year date, can i get these defaults corrected or do i need my certificate to do this. Also do the other defaults drop off after 6 yearz, or not until the debt is satisfied, ie certificate received. I know until the iva is off my credit is shot, but I thought if I could get the rest sorted it might speed things up when I do get my certificate.
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Geordie

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Post by Geordie » Wed Apr 17, 2013 10:14 pm
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Yes - Default dates of Debts within your IVA should not be on your report on a date after the commencement of the IVA irrespective of a CC being received.

http://www.iva.co.uk/forum/topic.asp?wh ... 837#508986
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Chezza100

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Post by Chezza100 » Thu Apr 18, 2013 10:49 am
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I have 3 defaults left on my credit file, 2 defaulted before my iva commenced and will reach 6 years and drop off before my iva does in September however 1 is currently dated after then.

I have written to the creditor asking them to amend the default date.

I think its worth writing to your creditors now to get the date amended.
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