I have finally received my CC today a year and 1 month after my iva completed. What do I do now? As usual GT as helpful as ever, copy of my certificate and a survey they want me to fill in , no advice on what to do next. I want to clean up my credit report , Ive contacted Experian , do I have to do Equifax too and is there a way to do it as Ive had 30 day trial with them before so now they want me to pay to view.
You need to check them all. In theory they should all just drop off automatically, assuming (as is not often the case) that the defaults have been dated correctly and the accounts marked satisfied or partially satisfied.
Also check that the CRA hasn't entered a Notice of Correction on file. This is sometimes put on when the IVA completes, stating that, although showing on the file is IS complete -- this is possibly helpful up to the 6 year anniversary, but, after that is telling everyone who can no longer see the IVA that there was one! This has to be removed manually, or will remain for ever and a day! A letter to the CRA will suffice.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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