With just two payments left I am keen to check my credit file and so signed up to Equifax.
Reading my report I have 3 Defaults against Max Recovery.
The ones I had with Lloyds TSB are marked as settled.
Does this mean that I only have the 3 to deal with?
When will the court CCJ disappear?
Is there anything else I should be doing in preparation for completion?
I have signed up to noddle today to check mine. My lloyds say satisfied with a zero balance but have entries dated 2012 but the iva was dated July 2009 so I think I need to drop them a letter. Iva shows. I think things are on for six years.
Defaults often get reported every month right up to the end -- what is important is the original date the default was registered --- it is 6 years from that date when it drops off --- and that date should be on or before your IVA start date.
How they are marked isn't really important -- when they drop off no-one will know how they were classified.
