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Posted: Tue Dec 04, 2012 12:50 am
by bryan.h
hi i have finished my iva and also have my c of c may i ask what do i do know in respect clearing my credit
Posted: Tue Dec 04, 2012 8:02 am
by Niobe
Hi,
Check your credit record with all three agencies, Experian, Equifax and Call Credit and make sure there are no defaults after the date of IVA acceptance. If there are then send a copy of your completion letter to those creditors and tell them to remove the defaults.
The IVA will drop off six years from the date of acceptance.
Posted: Tue Dec 04, 2012 8:13 am
by bryan.h
thank you what do i just ring them and ask is my credit record clear ? it was accepted 6 years on nov 20th 12 so that as passed
Posted: Tue Dec 04, 2012 8:18 am
by bryan.h
also people reading this still in iva i had 5 very hard years thought it would never end but it as and im now debt free, just keep going there is a light at the end of the tunnel its worth it in the end good luck to all
Posted: Tue Dec 04, 2012 8:25 am
by Niobe
You can do it online or write and ask for a copy. If you write it will cost you £2 a time. Experian do a free trial online (remember to cancel though)or you can sign up to Noddle (which covers Call Credit)for free.
The IVA should now have dropped off.
Well done for completing.
Posted: Tue Dec 04, 2012 3:36 pm
by bryan.h
Thankyou
Posted: Wed Dec 05, 2012 8:13 am
by bryan.h
checked my report the iva still showing up and 1 default the 6 years was up in 20th nov
Posted: Wed Dec 05, 2012 8:34 am
by Niobe
They may well just have a bit of a backlog. You could give them a ring to find out.
Posted: Wed Dec 05, 2012 8:43 am
by lem
make sure the default that is on there is dated from the date your IVA was approved or before, it should have been applied after this date, if it has you need to ring the creditor responsible and ask them to change it or remove it