Credit file

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fruitloop

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Post by fruitloop » Sat Oct 03, 2015 8:13 pm
Hi, I wonder if someone could help me. We make our last payment on 31st October, once the completion certificate is received then will the IVA still show as active on out credit file until 6 years from when it commenced or will it show as settled?
 
 

kallis3

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Post by kallis3 » Sat Oct 03, 2015 8:15 pm
Hi,

It will show as settled but will still appear on your record for the full six years.
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
 
 

Shining

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Post by Shining » Sun Oct 04, 2015 1:12 am
http://pjgrecovery.com/clean-up-credit-rating.asp

Here's a link that may be of interest and help to you. Well done on almost completing.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

fruitloop

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Post by fruitloop » Sun Oct 04, 2015 9:37 am
Thank you for your replies. This last month seems to be really dragging,just looking forward to reaching the finish line!
 
 

lifenoteasy

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Post by lifenoteasy » Sun Oct 04, 2015 10:18 am
Glad you are there - we have 4 more months of this.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
 
 

fruitloop

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Post by fruitloop » Sun Oct 04, 2015 10:28 am
I think it's because we are so near the end now that everyday we are thinking about it,we shouldn't focus on it as much and then it might go a bit quicker. Congratulations lifesnoteasy on nearing the end aswell.
 
 

lifenoteasy

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Post by lifenoteasy » Sun Oct 04, 2015 11:09 am
Ta - but as you say the end does drag!
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
 
 

Helen.k

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Post by Helen.k » Sun Oct 04, 2015 5:52 pm
we've just paid our last full payment, just one smaller payment for arrears on the 28th Oct then we're done .... 24 very long days away!!
getting there ....

Got there!!
IVA started 27/10/2010
final payment 27/10/2015
CC received 6/5/16
Off the register 5/8/16
 
 

lifenoteasy

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Post by lifenoteasy » Sun Oct 04, 2015 5:56 pm
Congratulations.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
 
 

fruitloop

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Post by fruitloop » Sun Oct 04, 2015 6:17 pm
Well done! I know what you mean about it being a long last few days.
 
 

Helen.k

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Post by Helen.k » Mon Oct 05, 2015 5:33 pm
23 days now!
getting there ....

Got there!!
IVA started 27/10/2010
final payment 27/10/2015
CC received 6/5/16
Off the register 5/8/16
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