www.iva.co.uk

Hi all!

Thankfully I am now nearing the end with all payments finished and certificates received! Just waiting for the 18/11/2016!!

This brings me to my question.... When do the closed accounts drop off the credit file? I see that they stay on for 6 years, but is that 6 years from the default date or account end date? Or shout the account end date = the default date?

Any advise would be great on this as I am keen to get things moving in the right direction....

Cheers

Well done on reaching the end!

All accounts should drop off six years from the start of the IVA if they were included.

Hi Simon. Well done on finishing.

All defaults will drop off on their 6th anniversary ( or thereabouts). Doesn't matter how they are marked ( default / settled/ partially settled etc.) The important thing is that the date of default is the start date of your IVA, or before.

Have a read here:

http://debtcamel.co.uk/repair-credit-record-iva/

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/