Hi, my question is related to credit reference agencies, especially Experian. My wife and I entered into an IVA in 2002, and we were able to settle after 4 years. In 2008, after six years from commencement, I applied for a credit score from Experian and found it to be 800+, which is classed as "good...

Hi,
I completed an IVA last May, one year early. As it commenced in April 2002 I assumed that it will come off my credit report in 2008. But I have been told that the six years begin on the date the IVA is settled. Surely this cannot be right.


John