Thanks!
Do you think that it my still drop off even though its not settled or defaulted?

My credit report is due to cleanse on 21st Feb and have checked the dates of default so should all happen when it should. There is one account on there which has not been update since 2005 which just shows 1 payment late. No default date, no settled date etc etc. I have attempted to contact them and...

Hi all, 6 years from my start date is up in February. I have checked with all 3 agencies and my report shows 2 of the accounts with a settled date in 2006 rather than 2005 so I call them up and ask them to correct the date to 2005 and they say that is is update as settled when they received the cheq...

Thanks Andy, my mind is at rest now.

Hi again Andy, Just a thought as this Masterloan doesnt say default or settled or anything, there wont be a date for the 6 years to got from will there? The last date the file was updated was in 2005. I could e-mail a screen dump of the actual info if it would help put my mind at rest? The only reas...

Thanks for your reply.
Lewis

Hi all, Hope everyone is well. My IVA was due to finish in February 2010 and I actually completed it in June 2009 by F&F Settlement so I am coming up to the automatic cleansing of my credit file stage. I have been keeping an eye on it and I have 3 accounts on there that I use now which are fine, cur...

Hi I completed my IVA early in about June 2009 and it was due to finish Feb 2010 so some Feb 2011 it will drop off the credit report as will any defaults as I understand it. My question is that I got married 2 weeks ago and my wife is now keen to get her name changed but I wanted to double check tha...

Thanks for the advice, I will write to them. Although it may not mean a lot, I would just prefer to see them as satisified or at least backdated etc.
Cheers

Hi,Someof you may remember that I completed my IVA by full & final back in June. I have left it until now to check my credit report(s) I have so far only got the report from Experian (Credit Expert) on the trial basis but it tells me all I need to know. The score says it is in the 'fair' category wh...

Thanks.

One of them, I think Equifax were quoting abround £15 to get your full report.......

What will it cost to get credit reports from all three agencies? I've had the completion certificate for a couple of months now so thought it may be time to check the reports. Is it actually worth checking? I don't plan on obtaining any credit before the 6 year period is up which as I ended early by...

Well, it's offical. Today arrived a copy of the final report & the certificate of completion......what a relief. Onward to living my life again!

My IVA is now complete via the full & final settlement route as some of you already know. I spoke to my IP yesterday and the final report & certificate of completion have now been sent out to me & the creditors. Roughly how long should I now wait before checking my credit reports? What should the re...

Great news! It was approved and my IVA is over! It takes some sinking in that its all over ut what a relief. And in answer to my own previous question. I offered £1500 and since then I made a monthly payment so all I have to pay now is 900 and something which is even better. I will post my full stor...