www.iva.co.uk

Hi Mu husbands IVA has was completed on 29th May 2014, so it has now been over 6 years.

While all of the debts included in his IVA are showing as settled they are still on the credit report...we called Experian and they said that it was 6 years after the account showed as satisfied and closed..so it would be 2018 for one account that showed as closed in 2012 (no idea why this was)

Also one account which was included in the IVA never seems to have gone into default and just shows late payments...what happens here ?

And finally MBNA seem to have sold the account to someone else but also have left the their default on there?...so now we have two defaults for the same account..is this correct?

At my wits end as so confused

Although their website isn't crystal clear, the answers given there tend to conflict with what they have told you on the phone.

Re: Clearing files:

http://www.experian.co.uk/consumer/ques ... es325.html

Defaults:

http://www.experian.co.uk/consumer/ques ... es356.html

http://www.experian.co.uk/consumer/ques ... es286.html

Defaults should be removed on the 6th anniversary of their input not after the account is settled.

Defaults added after the start of the iva should be requested to be amended to no later than the start date. Write to individual creditors to get this action taken.

Ensure experian do not add a 'notice of correction' on your husbands experian record .. if they do request it be removed otherwise a footprint of the iva will continue to exist and impact on his future rating.

Thank you.

One of the accounts that was included in the IVA looks to have never have been put into default when the IVA started. It is only showing as late payments and the account being satisfied and closed in 2012

This is the account that Experian are saying will not be removed until 2018.

Do i need to go the the creditors (Clydesdale Finance) and tell them that the account eeds to be put into default from May 2009?...so that it can drop off the credit report?