Does my IVA come off credit file automatically after 6 years ?

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Jane.96

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Post by Jane.96 » Sat Feb 04, 2017 9:20 pm
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I paid off my IVA early, 4 years ago, but it stays on my credit file till this April (6years from starting it). Does it come off automatically or do I have to contact Experian etc to get it removed?
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kallis3

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Post by kallis3 » Sat Feb 04, 2017 9:23 pm
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Hi,

It should come off automatically after the six years but just keep an eye on things and make sure it does.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
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http://kallis3.blogs.iva.co.uk
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Foggy

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Post by Foggy » Sat Feb 04, 2017 9:45 pm
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Hi . Have a read here:

http://www.iva.co.uk/what-does-an-iva-d ... 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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Post by Lisa Thomas » Mon Feb 06, 2017 9:51 am
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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/
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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Debt_guru

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Post by Debt_guru » Tue Feb 07, 2017 10:59 am
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Normally its done automatically, if not get in touch with the IP that was dealing with your case.
Think Debt
Senior Debt Advisor/IVA Specialist
Email: burak@think-debt.co.uk
Web: www.think-debt.co.uk
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Lisa Thomas

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Post by Lisa Thomas » Tue Feb 07, 2017 11:14 am
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Usually the IP cannot help as they will already have sent a copy of the CC to creditors so you have to get in touch with creditors direct to get any erroneous defaults backdated and removed.
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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Debt_guru

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Post by Debt_guru » Tue Feb 07, 2017 12:08 pm
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Lisa Thomas wrote:
Usually the IP cannot help as they will already have sent a copy of the CC to creditors so you have to get in touch with creditors direct to get any erroneous defaults backdated and removed.
Assuming that they have ...
Think Debt
Senior Debt Advisor/IVA Specialist
Email: burak@think-debt.co.uk
Web: www.think-debt.co.uk
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Shaun Vickery

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Post by Shaun Vickery » Tue Feb 07, 2017 12:14 pm
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...of course this is only if your IVA has been settled!
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.

For individual, confidential mortgage advice see my details under the IVA Experts or go to http://clients.theselectpartnership.co.uk/
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