great deal of debt information showing against us

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Neelmo

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Post by Neelmo » Thu Mar 15, 2007 3:38 am
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Both my wife and i have had our IVA's compleated and obtained our certificates of completion after releasing equity from our home, however how do i remove all the old debt information from my credit rating, the creditors have all been paid leaving me with still a great deal of debt information showing against us, any help would be appreciated.
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kezza

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Post by kezza » Thu Mar 15, 2007 9:41 am
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Hi Neelmo

Get onto the credit reference agencies and get them to ammend their records to say IVA is settled, you will probably have to send proof ie completion certificate, but your iva will stay on file for 6 yrs from start date
THE ONLY WAY IS UP :-)
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go_4_broke

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Post by go_4_broke » Thu Mar 15, 2007 11:53 am
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Experian's blurb says that defaulted accounts (ie all your original credit) remain on file for six years after default. So theoretically at least they should disappear before your IVA does, unless you were very quick off the mark with the IVA. I bet they don't exactly rush to do it tho. As kezza says it's probably largely down to you to get it cleaned up.

-Best

'5 years sticking my head into the Lion's mouth of debt !'
Please view my blog at www.go4broke.blogs.iva.co.uk

'Vive la differentness'
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