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mikepapa
- Posts: 170
- Joined: Tue May 12, 2009 5:58 pm
- Location:
does anyone know how long my IVA and credit card debts will stay on my credit files and from which date,, is it from the defaulted date or the most recent date,,my IVA is showing as in month 71,, some credit card debts are showing default date as September 2009 but date updated is 2015. have had a quick search but times are conflicting,, some say 6 years,, others 7 years and some 10 years,, just want to clarify if possible. thanks
Kind Regards, MP
IVA accepted 1st October 2009
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lifenoteasy
- Posts: 3248
- Joined: Thu Feb 05, 2015 2:26 pm
- Location: United Kingdom
Have you received your completion certificate?
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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mikepapa
- Posts: 170
- Joined: Tue May 12, 2009 5:58 pm
- Location:
yes I have & name is off the insolvency register
Kind Regards, MP
IVA accepted 1st October 2009
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Sharon.10
- Posts: 252
- Joined: Wed Aug 14, 2013 11:21 pm
- Location: United Kingdom
6 years
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
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Sharon.10
- Posts: 252
- Joined: Wed Aug 14, 2013 11:21 pm
- Location: United Kingdom
Everything should come off your credit file on month 72.
Last payment made August 2012 Certificate of Completion recieved 15th of Novenber 2013.
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lifenoteasy
- Posts: 3248
- Joined: Thu Feb 05, 2015 2:26 pm
- Location: United Kingdom
Agree with Sharon.10 but you may still need to do some work to tidy file up.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
