Yesterday I received a letter from "Public Audit Bureau" asking I contact them as it is likely monies are owed to me following a High Court decision that has ruled in favour of IVA holders. I completed my IVA 2 years ago and this letter has turned up completely out of the blue. This company/organisa...

Great thanks, just need to take on Experian now then to get them to update my records.

Does anyone know if an entry on the credit report has a nil balance and the settlement date is within 6 years will it still have an adverse effect? There are no defaults showing, just a nil balance. On a seperate note I am having issues with Experian not removing my IVA from my report, I have sent t...

Does anyone know if an entry on the credit report has a nil balance and the settlement date is within 6 years will it still have an adverse effect? There are no defaults showing, just a nil balance. On a seperate note I am having issues with Experian not removing my IVA from my report, I have sent t...

Thanks for replying. I think I will take all my paperwork into the bank so they have all the information in front of them and can see it is an admin delay. I have just been putting it off really as I'm nervous about being declined, which I shouldn't be as my reports all look fine. I suppose it's 6 y...

I need to set up a new bank account and came out of an IVA last June so my 6 years for it showing on my report was up this June. Equifax and Call Credit updated my record straight away upon receipt of a copy of my completion certificate. Experian are taking ages to update my records. I need to set u...

There are no defaults showing thankfully, just the IVA. It is frustrating because I got my credit report after the 6 years so it should have dropped off automatically. I sent them a copy of the cc 2 weeks ago now and hope that they contact me to confirm it has been removed as I am reluctant to try a...

I finished my IVA last June so my 6 years was up this June. I have checked all 3 credit reports and IVA was still showing. Equifax and Call Credit have updated theirs upon receiving a copy of my CC, Experian are still pending. I've been in a managed account since the start of my IVA and now want a s...

Equifax have now updated all their records and removed everything over 6 years old.

** meant to say I have emailed a copy of my completion certificate **

So I have a copy of my completion certificate this morning to equifax and they have removed the 2 defaults that were on there but the IVA is still showing? The start date is clearly 2007 so I cannot understand why they haven't removed it - I'm awaiting them to reply to my latest email but my 30 day ...

I have checked my credit report with equifax and there are 3 things on there, including the IVA, that are over 6 years but have not yet "dropped off". They show as settled and satisfied and the dates are all correct but they are still listed on my credit report. I have been in contact with equifax a...

Thanks for that, lets hope they update it quite quickly, it is still showing there at the moment but it is only a few days over....

Does anyone know how long it takes for the credit reports to update and things drop off after the 6 years? Do they drop off automatically or do I have to write to the reference agencys?

I will check the other two credit reports as well, I'm hoping as the 6 years is nearly up they have dropped off. I had my completion certificate within 2 weeks of my last payment and never had any problems with the company I used so I'm hoping they made sure the default dates were correct, I will do...