Is it normal for your credit file to not show your IVA ?

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Rylee2011

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Post by Rylee2011 » Mon May 13, 2013 1:19 pm
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Is it normal for ur credit file to not show ur IVA? I have checked with equifax and Experian. It was a joint IVA with my wife and neither of our files show it. It only shows the defaults.
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ClareSilver

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Post by ClareSilver » Mon May 13, 2013 1:24 pm
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Are you on the insolvency register? How long has your IVA been running?
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Rylee2011

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Post by Rylee2011 » Mon May 13, 2013 2:24 pm
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Yes we are registered on the insolvency register. IVA has just been settled early as of this last month and was running for 1 year. I have been regularly checking our credit ratings and it's never been on them.
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Foggy

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Post by Foggy » Mon May 13, 2013 2:38 pm
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Have you looked in the other sections? It isn't included in the main default section.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Rylee2011

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Post by Rylee2011 » Mon May 13, 2013 2:56 pm
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Yes I checked the correct sections but no sign. Think I'll let sleeping dogs lie as its not my responsibility to keep it updated
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Tab

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Post by Tab » Tue May 14, 2013 1:12 pm
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I would check with Experian as well, they have mine showing as still active although it was completed last July
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Kelly.23

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Post by Kelly.23 » Tue May 14, 2013 1:32 pm
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Hi, I had a joint one with my husband and it only appeared on my credit file, it was never on any of his
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Tina Shortland

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Post by Tina Shortland » Tue May 14, 2013 1:50 pm
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Hi Richard - it may be worth checking with your IP as it should be on your credit file. You want to ensure that at the end of the 6 year point it would be off your file, so if it is to appear make sure it has the right start date on and not starting from now otherwise you could be a year behind!
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
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