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Posted: Fri Sep 11, 2015 7:33 pm
by Emma.cl
I have my completion certificate and have checked the insolvency register and my name is no longer on there. The credit check sites are still showing poor credit. What do I need to do
Posted: Fri Sep 11, 2015 8:27 pm
by kallis3
Hi,
Your IVA will remain on your credit record for six years, you need to contact any creditors who are still defaulting you, enclose a copy of your completion letter and tell them to remove any defaults back to the date of IVA acceptance.
Posted: Sat Sep 12, 2015 3:54 pm
by MerlinL14
Congratulations on getting your CC, time to just take it all in that your are now debt free. Once 6 years are up it is then time to check, chase and get your financial records straight. Until then I would just not worry about it until then.
Posted: Sat Sep 12, 2015 4:37 pm
by luluj
To clarify its 6 years from the start of your iva. Whilst you wait for that continue living within ylur means running a bank account, mobile phone contract etc and this will all support your credit repair in the end.
Posted: Sat Sep 12, 2015 5:15 pm
by Emma.cl
My iva lasted seven years.it has already come of the insolvency register but the three credit services are still showing as active.
Posted: Sat Sep 12, 2015 6:05 pm
by kallis3
When did you get your completion letter? It may be that the credit reference agencies are a bit slow on updating.
Posted: Sat Sep 12, 2015 8:44 pm
by Emma.cl
It was issued on the 28th of August so not that long ago really. I am just a bit anxious to start building up my credit rating.
Posted: Sat Sep 12, 2015 9:32 pm
by kallis3
Just keep checking and make sure that any defaults are dated back until the start of the IVA.