How do I ensure that my details are removed from my credit file after the 6 years are up ?

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Jane.96

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Post by Jane.96 » Mon Nov 17, 2014 12:21 pm
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I started an IVA in April 2011. I made full and final settlement by selling my house in 2012, this was accepted at the creditors meeting and completed in Sept 2012. I understand the IVA will stay on my credit file for 6 years from the start, when the 6 years is up, how do I ensure it is removed from my details? Is it removed automatically, or do I have to contact credit reference agencies?
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Til

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Post by Til » Mon Nov 17, 2014 1:29 pm
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As far as I am aware Jane the files will automatically drop off your credit file after the 6 years is up. You might want to check that any default dates on your credit file are correctly dated no later than the start of your IVA so that they drop off at the correct time.
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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Foggy

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Post by Foggy » Mon Nov 17, 2014 5:12 pm
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Have a look here for background information:

http://pjgrecovery.com/clean-up-credit-rating.asp
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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