Defaults etc on credit report after completion

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Anewhope

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Joined: Sun Feb 25, 2018 10:07 pm
Post by Anewhope » Thu Jun 06, 2019 10:02 am
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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.
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Foggy

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Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Thu Jun 06, 2019 10:26 am
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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
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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Lisa Thomas

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Joined: Wed Dec 03, 2014 10:26 am
Post by Lisa Thomas » Thu Jun 06, 2019 12:12 pm
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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/
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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