www.iva.co.uk

im furious with equifax this is the only cra Im having bother with all the other cra have removed the iva & defaults. Equifax have decided to remove some of the defaults and the iva itself but their have decided to leave 2 old defaults on my report, WHY?? for gods sake I told the csr that it has exceeded the 6 year and I want them removed immediately but she told me to raise a dispute, I think its disgusting 6 yeats of hard work and equifax cant even do their job right, anyone else had this problem??

How ridiculous! Have you tried going via the lenders to get the defaults removed? If you go to their complaints departments they have 28 days to correct the error. x

It is espically as I made sure all the default dates etc were all correct last year. I have made a formal complaint and followed the procedure to get the last remaining defauls removed for good but can take 28 days.

Grrrrr [:(!] Feel for you Phil!

Equifax only update Wednesday's and Sunday's but the default deletion dates tend to be random varying from 6 years 3 days to 6 years 9 days in my experience. By the time they've even read your dispute they will have been deleted. Frustrating I know but it won't be long now:-)

Equifax have to be different don't they. All the other CRA's can manage to delete either at the 6 year mark, or at worse 6 years and a day with Experian.

6 years and 2 weeks seem to be the standard with them.

I complained at the time too, got nowhere. Just had to live with it for 2 extra weeks. Is it right, no. Can you do anything about it, probably not.

However, if you did not correct the dates you'd have been waiting longer.

I am going to start correcting my default dates soon. Nothings due to drop off til 2014 so I have time.
Paul

Yippieeeeeeeee down to 1 final default now on my equifax report, fingers x it will be off soon, then all nice and green and very clean. lol

Well I can officially say my final default has been removed today, so thats it no more defaults and no more iva just a sea of green on all 3 cra's so I bid a sad farewell to this site it really has been so helpful to me through my 6 years, huge thank-you to Andy Davie, Melanie, Lesley, the list goes on, for the newbies just starting your iva journey stick with it yes its hard at times but so worth it in the end, dont forget you have lots of help and support available on here if you need it, Good luck everyone x

Congrats Phil and good luck for the future. You don't have to go, your experiences and wisdom could be used by others just starting out.