Ok as per my previous threads i have finished my IVA and i'm now in the process of repairing my credit files. Call Credit file is now clean. No defaults and no trace of IVA. Equifax file is good. NO trace of IVA. one default but that comes off today 31st January. Experian still showing an IVA but th...

Mines the same. My IVA was agreed jan 24th 2008 but i have 2 defaults which don't end until may and july this year. That can't be right surely. They are part and parcel of the same IVA???

correction to the above. My Equifax score is 511 which according to thier site is an excellent score. Again still can't understand that as there is a default and iva still on there. They should be off by the middle of february though.

Ok Call credit rating has gone up from 1 out of 5 to 3 out of 5, Equifax is showing excellent at 838(not sure how with a default and iva still on there), not sure about experian one.

Hi, I am currently checking my credit files to ensure that all traces of my IVA and defaults are gone before i apply for a car loan(in desperate need of one). Everything is looking good at the moment. IVA has dropped off my Call Credit file and my rating has gone from 1/5 to 3/5. I've just noticed a...

Hi, Stupidly I applied for some credit not long after i'd finished paying my IVA but before the 6 yrs for defaults etc etc was up. I can't remember who I went through. It was either Sainsbury or Tesco. All I can see on my credit file is a search for Aviva Central Services. Can anyone tell me if they...

I'm hoping that my story will be the same. My IVA comes off my credit file on 24th Jan 2014, yeee ha! I have 3 bad accounts with defaults on. 2 of which are closed and 1 of which is still open. They all come off around the same time with the final one dropping off on valentines day! I can say though...

Sorry correction to my last it was not showing on my experian file. Wish it wasnt showing on my other 2!!!

Thanks for the reply. My call credit rating is 417 and my equifax is 438. I have 2 accounts with defaults and the iva that will disappear 31st Jan 2014 and a further account with a default that comes off 14th feb. We'll see. I will update

Morning, In anticipation of my defaults and iva coming off my credit file i have signed up to a multi agency credit file site. Looks really good(sorry can't remember the name and i'm at work at the moment). My experian and call credit(www.noddle.co.uk free to everyone by the way) scores are really l...

Hi Guys, My iva was agreed 24th Jan 2008 so should drop off my credit file in 12 days. I have 3 defaults on my credit file all which should drop off in the next month. I'm desperate for a new car as my 16 yr old rover is falling to bits. My question is this, when they are all removed am i likely to ...