Do I have to wait the full 6 years to remove defaults after early settlement ?

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Matthew.76

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Post by Matthew.76 » Tue Jul 28, 2015 6:01 pm
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We started a IVA on the 22nd July but we made an early settlement last year and got completion certificate dated 11th Nov 2014. I use noddle for my credit report and there is some defaults on there, 2 from Natwest (CC&Loan) and one from I believe DFS. Can ui write to them and ask them to remove the default or do I have to wait until July 2016 after 6 years or will it be 12 months after completion Nov 2015?
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Adam Davies

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Post by Adam Davies » Tue Jul 28, 2015 6:04 pm
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Hi

Even though you made an early settlement a record of the IVA and any defaults will still remain on your credit file until six years from when the IVA started and the defaults were registered

Regards
Andam Davies
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Foggy

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Post by Foggy » Tue Jul 28, 2015 6:10 pm
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You have to wait the full 6 years I am afraid. Good credit file clean up advice here:

http://pjgrecovery.com/clean-up-credit-rating.asp
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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