My 6 years is up next week and will be looking at starting the repair of my credit file. I just have 2 questions
1) Do I need my completion certificate to send to the credit agencies?
2) will the iva/bankruptcy entry on the credit files be automatically removed?
Hi, it's a good idea to send the credit reference agencies a copy of your completion certificate so they can mark it as satisfied.
It will disappear after he 6 years provided there are no late defaults recorded after the IVA started. If this is the case you will need to send a copy to said creditor/s too and ask them to remove the defaults.
Well done for getting to this stage you are almost debt free and starting a new chapter in your life.
Await your certificate and then send a copy to the agencies asking them to amend your accounts. I would also look at the default dates under creditor and ensure they are before the start date of your IVA - any that are post IVA start date then write to them asking them to amend them - you may need to send a copy of your completion certificate.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Hi andi and well done from me too, there is a thread right at the top of the topics page which will help you in relation to clearing up your files etc, i would've thought you will definately need that certificate to enable you to do this. Good luck and best wishes for your now debt free future. x
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
