I have my completion certificate and have checked the insolvency register and my name is no longer on there. The credit check sites are still showing poor credit. What do I need to do
Your IVA will remain on your credit record for six years, you need to contact any creditors who are still defaulting you, enclose a copy of your completion letter and tell them to remove any defaults back to the date of IVA acceptance.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Congratulations on getting your CC, time to just take it all in that your are now debt free. Once 6 years are up it is then time to check, chase and get your financial records straight. Until then I would just not worry about it until then.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
To clarify its 6 years from the start of your iva. Whilst you wait for that continue living within ylur means running a bank account, mobile phone contract etc and this will all support your credit repair in the end.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
When did you get your completion letter? It may be that the credit reference agencies are a bit slow on updating.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Just keep checking and make sure that any defaults are dated back until the start of the IVA.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
