Get expert opinion. This is the place for new questions to be posted.
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jamesrl
- Posts: 23
- Joined: Wed Aug 21, 2013 8:29 pm
- Location: United Kingdom
My IVA's last payment was Jan 2012 - still chasing GT for closure certificate. What I want to know is as my last payment as made 19 months ago and your IVA stays on your credit file for 12 months after, do I have to wait another 12 months after receiving CC before it is removed from my credit file? If so, then it has effectively been on my credit file for seven years. Greatly appreciate your help and advice.
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ginger323232
- Posts: 544
- Joined: Thu Jan 10, 2013 12:31 pm
- Location:
One you have your completion certificate - and its is over 6 years it should drop off. However once you have your certificate it is worth leaving for a few weeks to update then checking both the IVA status also any defaults
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jamesrl
- Posts: 23
- Joined: Wed Aug 21, 2013 8:29 pm
- Location: United Kingdom
Thanks for your reply. It's just the three credit scoring companies I need to check isn't it, Experian and the like?
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502emu
- Posts: 17
- Joined: Mon Jul 08, 2013 1:01 pm
- Location: United Kingdom
The three main ones as far as I know are Experian, Equifax and Callcredit.
A computer once beat me at chess, but it was no match when it came to kickboxing.
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jamesrl
- Posts: 23
- Joined: Wed Aug 21, 2013 8:29 pm
- Location: United Kingdom
Thank you so much for your help. Found this forum this evening and so glad I did. Just hope I get my CC soon!
