I completed my IVA in June, but it doesn't drop off my credit file until May 2011. Am I better to continue renting until then and look for mortgage in May or is it worth trying to get a deal now. I haven't got savings for deposit at moment which I know will restrict me, but I have seen a couple of w...

I've just read something similar on the credit report, so have sent them a message requesting confirmation of this.

Equifax are now also saying the IVA stays on file until 2016 as it was satified in 2010. I was led to believe it came off 6 years after the start date

What bothers me is now that they are marked as settled and not linked to the IVA in an obvious way, that they may sit on file until 6 yrs after the settled date. None of the settled items have a default date registered, only a default balance and a note saying a default was noted.

Does this mean the default will still show until 2016?

Following the completion of my IVA I sent my completion certificate to all creditors. All have updated correctly (well almost) bar 1 who appears to want to but the satisfied date as June 2010 and not the IVa start date of Apr 2005. If they do this, I assume the default from 2005 would continue to sh...

Have got a catalogue, cashplus card with creditbuilder and vanquis card (only use for petrol and clear in full), so come may 2011 will have some nice 0000000's

Thought that might be the case, I've had an offer from someone to put it in their name, but wanted it in mine of possible, that way it improves my credit rating.

I had mine in about 3 weeks (McCambridge Duffy)

I need to change my car for work, but unsure what sort of deals I can currently get. My IVA was completed in June, but doesn't drop off my credit file until end of April 2011. I've seen a couple of companies offering car finance to people in an IVA, but they are looking at an APR over 25%. Is there ...

I do have a couple of RBS ones that show Sept 05 and they have apparently not received the completion cert 4 times now (twice for each entry and these are my priority to get corrected. In fact all the entries that have not updated are RBS except 1, coincidence?? I do sort of agree with Andy about 'r...

Sorry meant to say the default shows as Mar 05 and settled Apr 05. Is that correct to read that way, as IVA started Apr 05

So am i right in thinking it shouldn't show any reference to a default, even though it's now marked as settled.

I'm not sure how it should read but my equifax one is like this: Company Name: Max Recovery Account Type: Credit Card Terms: 0 @ £0 Start Bal: £0 Current Bal: £0 Status: Settled Date Updated: 18/7/10 Deliquent Date: 04/05 Date Satisfied: 25/4/05 Default Balance: £5467 Payment history shows a D and t...

I am slowly sorting out my credit file. Some creditors have marked satisfied, where other haven't done anything. Once marked settled, should all balances show NIL, or only the current balance. I have some marked as settled, yet the default balance is the original amount. I also assume the settled da...