hi, can anyone please clarify when the iva will come off my credit file. I have read lots of posts regarding this and it would seem to be 5 or 6 yrs, how do you know which one it is ?
Your IVA will drop off six years after it was approved.
You will need to check your files to make sure there are no defaults have been registered after the date of acceptance. If so, you need to write to those creditors and get them to remove the defaults.
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
6 years from the date the IVA was registered, assuming it has completed and marked as such at the CRA's.
If the IVA is not marked as completed it can hang around much longer, until such time the CRA is advised it has been completed.
The update should be done automatically by the Insolvency Service, but worth checking your file to make sure it's done, and as already stated to ensure that there are no defaults placed post IVA implementation date.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
Hi there.....definitely 6 years after the IVA was registered. But do make sure you check your credit file with all appropriate agencies. I had to write to many creditors as they had incorrect dates regarding settlement of the debt etc or even date IVA was registered.
