Yes 6 years passed in November. I would expect it to drop of automatically. The only thing that makes me uneasy about that is I checked my Experian one last month, and it was still there. They only removed it when I queried it and sent them a copy of my completion certificate

My Equifax credit report that I view online only contains my current, and previous 2 addresses. I want to be sure my IVA has dissappeared from it. I had to contact Experian with my completion certificate to get it removed, and thought I might have to do the same with Equifax I'm worried that my IVA ...

That's what's puzzling me, the defualts aren't the problem, just the IVA

Thanks for the reply. I thought that all defaults, and and IVA, automatically disappeared after 6 years?

My IVA started on 7/11/2005, and I made the last payment in January 2011 (2 payment holidays)

I was expecting it to disappear from my credit report after 6 years from the start, but I've just ordered my report from Experian, and it's still there! Why is this?

My IVA started on November 7th 2005, I'm looking at renting a different property at the start of next year. Will the IVA have dropped off my credit report by the middle of December? There are also 2 defaults on my credit report which don't disappear until February next year, even though they are par...

kallis3 wrote:

You need to write to them and tell them to remove the defaults although it might not be worth it now as they should drop off at the beginning of next year anyway.

Is it MAX Recovery I need to write to, or Experian?

Got my Experian report back My IVA completion date on the certificate is May 7th...on the report Max Recovery is updated to 19/06, and reports balance satisfied, but Nat West is on updateded to 05/06, and doesn't report as balanced satisfied yet Even though my IVA started on November 7th 2005, inter...

Its made life a lot easier, not having to withdraw cash everywhere I go! Just tried applying online for a credit report - none of them will give it me based on the information I answered...think it might be because I've changed my address 4 times in the last 3 years (work related) Also just realised...

Thanks again!

I do have a visa debit card - Nationwide decided to give me one at the end of last year - no credit obviously, only pays out if i actually have the money in my account)

Thank you for the welcome and replies! I'll contact the big 3 then, is it as simple as writing to them with a cheque, or is there another way. Looking forward to being free of it completely - my last payment was in January - at then my payment was £800 a month (they put it from £700 a month for the ...

My IVA was agreed with creditors on November 7th 2005 As I understand it, the IVA remains on my credit record for 6 years. Therefore I was expecting it to stay on until November this year. Just done a credit check through annualcreditcheck.co.uk, and there's nothing on my credit record, no insolvenc...