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Defaults etc on credit report after completion

Posted: Thu Jun 06, 2019 10:02 am
by Anewhope
I had a F+F IVA which completed in October 2018, I've noticed looking on my Noddle credit report that I still have various lenders showing late payment or default on there, whilst many others have moved to being closed and showing satisfied / settled.
Should I be contacting those that still show defaults ? The report says they were last updated a month ago. Or will these eventually sort themselves over time?
I haven't been contacted by any of the lenders, chasing money etc just showing on the credit report.

Re: Defaults etc on credit report after completion

Posted: Thu Jun 06, 2019 10:26 am
by Foggy
The defaults should be dated on or around the start of the IVA and will drop off 6 years later. It doesn't really matter what status they show as their mere presence, and that of the IVA, is enough of a death knell. Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record

Re: Defaults etc on credit report after completion

Posted: Thu Jun 06, 2019 12:12 pm
by Lisa Thomas
You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle, Clearscore and Totally Money are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
https://www.totallymoney.com/