Today marks the day my IVA is officially removed from my credit file . 6 long years ! Thanks once again for all your support . My rating is pretty low still at the moment but hoping to see some real change over the following month . Stay safe all !

That’s encouraging . What a 6 years it’s been ! Thankyou and appreciate the advice

So I’ve been out my iva a while now after taking a loan offer . Which has been great. I’ve had money again without the fear of thousands of debt balancing on a fine wire. But oh my gosh my credit score is abysmal . Worst example being on Experian. Anyway my 6th year since taking out the iva is at th...

Hello forum. Been a while since I completed early and I'm getting happier every month with more money in my pocket. Anyway as expected my credit rating is poor. About 500 fairy points on experian and clear score is less which I think draws from equifax. Not helped by the fact I recently changed addr...

What's funny Foggy is I have had an email from credit fix now saying they have sent my information. A bit late I think and doesn't excuse the attitude of the woman I spoke to. I wish I'd taken her name.

And now marked as completed. If you want a job doing right, do It yourself.

Congrats . Please do check my post to see what I've experienced with Creditfix. Would be keen to see if they expect the same of you.

insolvency-register-f145-t83882

It's down to your IP to inform the Insolvency Register. As to the agencies, your records should drop after six years but again, it is down to your IP to let them know you have completed. I would certainly query it again. Im going to get some solid info online to quote them . They just fob you off a...

Well i got off the phone to Credit Fix and the woman told me I had to send those letters (the completion reports) off to the credit agencies and they would then let the insolvency registers know im complete. I quoted what was said here about it being the other way around and she tutted and said no i...

When was the certificate issued ? The IS should have their copy by now -- I would contact them direct and ask why the IVA is not showing as completed. well i recieved it on the 4th september also. same day as first payment to perinta came out. Ive emailed Credifix for clarification. It is possible ...

Foggy wrote:

When was the certificate issued ? The IS should have their copy by now -- I would contact them direct and ask why the IVA is not showing as completed.

well i recieved it on the 4th september also. same day as first payment to perinta came out. Ive emailed Credifix for clarification.

Well my first Perinta payment was 4th Sept and still saying current on the reigster. Should I allow more time or give Credifix a call ?

Many thanks guys. Appreciate all your dedication on this forum.

Great post guys. I will be looking at this soon. (mine still has a couple years to drop off) Hello stranger I haven’t been on for ages. So glad you have managed to end your IVA early bless ya. Wish I could!!! Only 16 months to go!! Ha ha Bimey hi Bex. Glad to hear youre still on the IVA train. And ...

How long does it take to fall off the register once you've gotten your certificate. Note I haven't contacted anyone since receiving it. I noticed some people on here saying I shouldnt have to do thing. Do I NEED to contact all the credit agencys? Not that should effect the register.