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Posted: Fri Aug 05, 2016 6:16 pm
by parjay
I entered an IVA in Feb 2011 With Mcambridge and Duffy F&F settlement completed Cert in May 2012 still got 4 defaults showing 2 for me 2 for my partner please advise what can I do to sort this out
Posted: Fri Aug 05, 2016 6:20 pm
by Foggy
They will show until February next year. Have a read here:
http://debtcamel.co.uk/repair-credit-record-iva/
Posted: Mon Aug 08, 2016 9:58 am
by Lisa Thomas
You will have to wait until Feb 2017 I'm afraid.
Posted: Mon Aug 08, 2016 10:16 am
by parjay
Thanks not to long then but these defaults dates are dated after 22nd feb 2011 they are all in march 2011 is this normal as not sure thanks before
Posted: Mon Aug 08, 2016 10:30 am
by parjay
all four debts were included in the IVA so how come they have wrong dates on them ???
Posted: Mon Aug 08, 2016 10:32 am
by Foggy
Defaults are often incorrectly dated -- you can ask for the dates to be amended, but, if they are only a few weeks adrift, probably not worth the effort.
Posted: Mon Aug 08, 2016 11:06 am
by parjay
Thanks will they just go off the defaults ??
Posted: Mon Aug 08, 2016 11:30 am
by Foggy
When they are six years old they will come off the records. Have a read here:
http://debtcamel.co.uk/repair-credit-record-iva/
Posted: Mon Aug 08, 2016 11:34 am
by parjay
Thanks I will check the dates so if they are a few weeks not worth it when I go home at dinner
Posted: Mon Aug 08, 2016 11:46 am
by Lisa Thomas
Probably not worth the hassle for a few more weeks.
You might find this quick video I made about cleaning up your credit record useful:
https://www.youtube.com/watch?v=PV4RzUY4BRM
Noddle and Clearscore are also free credit agencies to consider using:
https://www.noddle.co.uk/
https://www.clearscore.com/