I would write to all the credit reference companies and ask this question to them. They would be far more versed in what you would be required to do to get your records updated than anyone. Unless one of the experts has a solution that is. Thanks Merlin just thought I'd ask here first in case anyon...

You say CIT are showing a default -- what is the date of default ? The whole entry should disappear 6 years from that date, regardless of history or status. Hi Foggy, ok so actually doesn't show default it shows as settled but references 6 late payments To be specific it shows following: Account st...

Hi all, Looking for some urgent help. Me and my wife officially finished our IVA in August 2018 which is when we got our completion certificate. It started in September 2011 Also note we are now off the insolvency register. Reviewing my Experian credit file and noticed one of my IVA creditors, namel...

Hi Nigel, Thanks for insight into your experience. We have also recently completed our IVA. We have completion certificate and as it's been over 6 years since start our credit records our back to excellent across all 3 credit reference agencies. Only thing holding us back is insolvency register. Di...

Hi, here's my story for those of you about to enter an IVA. i ran a small business and managed to amass a huge debt to hmrc, credit cards and a couple of suppliers £180k!. i had equity to release but due to hmrc issuing a Ccj without warning my chances of remortgaging were scuppered!!. on the arriv...

Thanks for merging thread foggy and thank you for response Ryan will get in touch to discuss further.

Completed our IVA and now want to apply for mortgage

<t>Firstly let me start by saying this forum has been godsend and source of great information reading about people's experience. Up to now been a read only user but signed up for some advice.<br/> <br/> So me and my wife completed our IVA last month following a long 7 years but it has been worthwhil...