IVA started in 2010. I am ordering credit reports to see the state of play with dates, sold on debts by lenders etc with a view to everything dropping off file next year and then getting a new mortgage.
I've just ordered Equifax report and noticed that it has a history section now for archived Equifax Credit Reports & Equifax Credit Scores. Is this new or have I never seen it before? Anyway - it states archive status "6 years" with today's date. The assumption being that this bad IVA showing report will now be on my credit files for 6 years from today.
Anyone noticed this?
I am wondering if these reports are available to lenders and if so this means I have another 6 years of IVA being on file via reports which show it's presence?
I wouldn't recommend ordering a report from Equifax until this is clarified.
I'll keep this post updated but I just wondered if anyone has come across this?
I would query this direct with Equifax. I doubt the lenders see it, I believe they don't get to see current credit scores, so doubt they will see old ones
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I assume you are getting your report via the monthly free trial system rather than the standard £2 credit report?
I knew that all the credit reports you request were available to you on the monthly system via the report archive section on your account for a twelve month period.
Lenders don`t see the requests you make for your own credit report and I thought actual lender searches remained on your file for a period of twelve months.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".
