I took out an IVA in late 2003 early 2004

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shane_l

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Post by shane_l » Wed Jan 07, 2009 11:02 am
I took out an IVA in late 2003 early 2004. How long do they stay on my credit file for? Because i cant get credit for anything anymore
 
 

MelanieGiles

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Post by MelanieGiles » Wed Jan 07, 2009 11:33 am
Hi shane and welcome to the forum

Your IVA will stay on your file for six years from the date of your creditors meeting. So you are looking at late 2009/early 2010. Has the IVA been concluded or is it still in place?
Regards, Melanie Giles, Insolvency Practitioner
 
 

shane_l

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Post by shane_l » Wed Jan 07, 2009 7:01 pm
No the iva was also satisfied/concluded in april 2004. when will my credit record be good again?
 
 

kallis3

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Post by kallis3 » Wed Jan 07, 2009 7:11 pm
Your IVA will drop off your record in April 2010. You will need to check as well that there aren't any defaults still registered on there as they will have to be removed, but that's no problem.

Next April I would order a copy of your credit report to check that it is ok.
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.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

drg

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Post by drg » Wed Jan 07, 2009 7:36 pm
The IVA should drop off six years from the agreement date, the same for any defaults as these should either be before or on the agreement date, providing they were part of the IVA.

Mine all dropped off at the same time.
IVA COMPLETED 21/11/08
 
 

drg

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Post by drg » Wed Jan 07, 2009 7:37 pm
Also, have you checked the Insolvency Register, have you been taken off there?
IVA COMPLETED 21/11/08
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