www.iva.co.uk

I have finished my iva, and have just received my compleition certificate. Looking at my Noddle Credit file, I only have one old outstanding account which is stating that I have an Arrangement to Pay but the balance is £0 from October 2011. It gives the account start date as 26.04.96, with a regular payment of £22. Am I better to just let it fall off next year or speak to Noddle about it.

Hi Janey, will bump this up for others to answer x

Hello Janey, if your not too bothered about it, and are patient, you could just let it drop off next year. If you've a mind to. However, fundamentally, your current credit report is inaccurate. To address this, on the noddle site, raise a notice of dispute. (Note Janey, NOT a Notice of Correction). CallCredit (Noddle) will then contact the creditor directly for you and amend your record accordingly. This would take about 56 days to be done and dusted.

Hi

I think it will stay on six years from Oct 2011, check this with Noddle and address the issue if this is the case

Regards

In any event Janey, it should still be marked as satisfied/satisfactory

i have an old MBNA which defaulted until it was sold on 6 months after my IVA started, it'll drop off in sept-october this year, im in no huge rush for credit/mortgage etc so I’ve not bothered having it corrected like the other which defaulted until the end of the IVA.

I guess it depends what your short term intentions are in relation to credit etc

Arty

Thank you all very much, really appreciate your advice.