Some creditors will continue to report missed payments, and also defaults. It makes little difference as the IVA on record will stop you getting credit and, come the end these reports will all disappear, assuming everything has been recorded correctly i.e that the creditors accounts are formally defaulted. Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk