credit files; confused

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grimswold

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Post by grimswold » Tue Jan 19, 2016 2:54 pm
The IVA completed 17th November. I note that on Noddle and Clearcredit they show defaults up to and including November. Is that right? Or should they have been removed at the start of the IVA which was March 2014.
Sorry to be so thick, it's confusing.
Thanks in advance
Grim
 
 

kallis3

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Post by kallis3 » Tue Jan 19, 2016 2:57 pm
Your defaults should go back to the start of your IVA. Clearscore are usually pretty accurate as are Noddle. You also need to check Equifax as well.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
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grimswold

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Post by grimswold » Tue Jan 19, 2016 3:51 pm
They go back to the beginning, but they are still there at the end. Is that correct or do they stop when the IVA starts?
 
 

kallis3

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Post by kallis3 » Tue Jan 19, 2016 3:52 pm
They should stop when the IVA starts. Write to the data controllers concerned with a copy of your completion letter and tell them to remove the defaults.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Lisa Thomas

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Post by Lisa Thomas » Wed Jan 20, 2016 9:18 am
I agree with Kallis - there shouldn't be defaults after the date the IVA started. You could contact the creditors and get them to correct the defaults.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
 
 

grimswold

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Post by grimswold » Wed Jan 20, 2016 10:34 am
Thank you so much for your help, I will be doing that today!
Makes you wonder how people who don't have this site and the incredible advice cope.
 
 

Lisa Thomas

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Post by Lisa Thomas » Wed Jan 20, 2016 1:16 pm
Hopefully you can get it sorted. Glad we could help.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
 
 

kallis3

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Post by kallis3 » Wed Jan 20, 2016 2:04 pm
Fingers crossed you get it sorted - let us know how you get on.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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