Have a chat with either Ryan or Shaun (details under the expert link on the left hand side of the page) but you will probably have to wait until you have your completion letter and everything has dropped off your credit record.
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
There contact details can be found here. Both have helped lots of forum members in the past. I can personally vouch for Ryan and his team http://www.iva.co.uk/forum/forum_experts.asp
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
I would certainly contact either Ryan or Shaun - just make sure your credit record is clear 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. http://kallis3.blogs.iva.co.uk
Thanks Kallis3 , I have checked my Experian report and it still shows some accounts as defaulted with a balance showing, as opposed to showing zero , I take it that will flag a problem on any mortgage application ? I have e mailed the outstanding creditors and asked them to update my credit report .
The defaults and the IVA itself will remain on record until the 6th anniversary of the IVA (or date of default if not corrected). It makes little difference if the delinquent accounts are shown as outstanding, settled or partially settled. They need to be gone.
You will need to check all three agencies, as they do not all mirror each other, as well as checking for any Notice of Correction, which you can request to be removed, as these do not drop off automatically.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Another six months for it to fall off then but do speak to either Ryan or Shaun who will be able to advise you.
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
