www.iva.co.uk

Hello

Well I have had my certificate of completion on the 2nd of November. MY IVA has been over after 6 years. I signed up to a service to protect my credit and have 24 hr access to my credit report. As such I noticed that 7 of the debts on there recorded as having defaults were creditors on my IVA. I have contacted one company since who own 5 of the debts and they have asked me to send the certificate of completion to them. I scanned and emailed it to this company and to the second one which had one debt on my report. The second email has since bounced back so I shall ring them again tomorrow to find out what is what. I know both companies claim that they will update the records but unlike all my other debts which have dropped off these will still be sitting there instead of coming off my report. Is it my job to be doing this or should Payplan my previous IVA company be the ones to be updating all my creditors?? I am not sure if I am out of place to ask them to pass the paper work on and ensure my credit report is up to date or now that I have my certificate, am I on my own to sort this out?

Hi. I am afraid it is down to you to sort out the CRA files. Useful info here:

http://www.pjgrecovery.com/clean-up-credit-rating

I was dreading completing this task but so far with the help of the forum I've found it fairly painless. Had a letter this week from one creditor (3 are defaulting me) that they will update their records within 28 days. So two to go for me.

All the best and hopefully it'll be sorted very soon.

Helping you clear up your credit file is not part of your IPs duties but we recognise that it is an area that causes many people concern as they often do not know where to start.

We have recently started to include a guide to clearing up your credit file in all our IVA completion letters.

http://www.pjgrecovery.com/clean-up-credit-rating

You may also find the template letters useful to send to your creditors - good luck and let us know how you get on

Thanks to both Foggy and Kelly for sharing the link to our site. Hope it is helpful for you.

I know my iva will be on my c/file for 6 year from the start date of the iva.
But should I make sure the default date are right, now as I have my cc after doing a f&f last year.

Thanks so much for all your advice. I shall go through all the resources and get started. Thanks again to the forum. You are always so helpful.

Hi Kev59 if you have your completion certificate you can use this to clean up your credit file and get any defaults backdated to the start of the IVA.

If you do it now, once your IVA drops off you should have a clear credit file

Thanks Kelly, will get on it. got my completion cert within two months of f&f.
well done MEL'S company