I have completed my IVA in 2016 and cleared all debts by 2017 . But still one credit showing up in my credit file with equifax and contacted the creditor but still it’s affecting my score . Could you give us some advise Hi Rajesh The Default stays on your credit report for 6 years. So if your IVA w...

Hi Warren
You don't have to worry.
A small number of high street lenders are not so IVA friendly, but for sure there are high street lenders that will treat you in the perfect/fair way that you were expecting.

Kind Regards

*edited by Moderator -- please do not tout for business*

Hi Littledinga
Natwest use Equifax as there preferred reference agency. Have you checked there, alternatively Clearscore is a consumer version of Equifax, you can freely access clearscore. Look in the Public/Court records section of the report, to see if this is clear of the IVA

I think it was Confucius who said "a journey of a thousand miles begins with a single step". I took my first "single step" way back in 2006, over twelve years ago. it was seven years today when I made the final payment into my IVA, an anniversary that is indelibly etched into my memory. The day tha...

Hello, hoping you guys can help - We have finally been given our completion certificate/report and our IVA is now complete, which we are very happy. Can anyone advise how we go about getting our credit score in order, i am looking mainly to remortgage and a better deal to reduce the monthly payment...

Our Iva was repaid 4/6/15 but completion certificate wasn’t issued until 04/2/16. We can’t get a mortgage until 2019 as per date of certificate but we finished payment in 2015 as per contract? We completed our five years then? Hi Pam, very frustrating. As long as you are out of the iva & it was reg...

My IVA completed on 04/05/17 and I have the certificate. My understanding was that 6 years after the start date of the IVA, information on my credit file would "drop off" or at least I would need to push this along a little bit. However, having been brave enough to finally look at my credit file to...

Hi everyone. I’m now in the exciting position of having made my final IVA payment and am waiting for my certificate of completion. August this year will mark 6 years and so therefore the IVA should disappear from my file. What I was wondering was if anyone knew anything about how much I can expect ...

That's the three --- also make sure there are no Notices of Correction mentioning the IVA -- these have to be manually removed as they have no time limit and, if there, can give the game away! So dispite Experian saying they have updated their records the IVa is still showing and now there is a not...

My IVA started in December 2013 and my creditors accepted a full and final settlement on 6 January 2018. I have my completion notice and my name is no longer on the insolvency register. My understanding is that the IVA will show until 6 years have passed but shows on m credit report as satisfied on...

Hi there my I’ve is due to drop off my credit file 07/06/2018 so next week . My credit score is so low my bank won’t upgrade my account until it goes soon as it drops off will my score in crease? Hi Andrew Have you checked your Credit report, has the IVA dropped off? If not you should call the Cred...

Our 60th payment left the bank account today! Cant believe this is nearly over! It is amazing! Still remember first speaking to Mel and crying my eyes out at how non judgemental she was and how understanding she was about our financial difficulties and now we have made our 60th and hopefully final ...

If you get an Iva I know it stays on file for 6 years but when after a year it’s completed do the debts still stay on your account creditors I mean thanks Hi Jane226 Technically they drop after after 6 years, provided that the Credit Reference Agencies hold correct/accurate data. It's not unknown f...

Thanks for all your replies. I have only checked Equifax so far but will check the other agencies to see what they hold. The 2 partial settlements are both from old Santander current accounts I held prior to entering into a DMP before it moved to an IVA. They don't show as defaulted although as the...

Hi All , i settled my iva back in Oct 2015 completion cert appeared feb 2016. i have now received an offer for right to buy from council property value 183000 discount of 80900 what are my chances of getting mortgage ? salary is basic 39500 plus 4100 a year standby payment no other debts 1 settled ...