IVA completed last year on a F&F due to drop off credit file next.month. 6 years. Why are some of the companies still defaulting. The actual default dates are there or there about. Will these automatically drop off after the 6 years. I'm looking remortgage. Any help please. Thank you.
They should drop off but it won't hurt to send a copy of your completion letter to those creditors and tell them to remove all defaults back to when the IVA started.
As regards a mortgage - contact either Ryan or Shaun (details under the expert link on the left) as they have helped a lot of posters on here.
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As Kallis said they should drop off automatically but this doesn't always happen - you may have to send a copy of your CC to creditors whose defaults don't drop off and get them to amend their records.
Send a copy of your completion certificate to the relevant firms with a request that the defaults are back-dated to the date of the IVA. Write to the address shown for the relevant firms on your credit file. It's normally fairly straight forward but sometimes they will need a bit of a shove! They should then drop off your file after 6 years.
Specialist Mortgage Advisers. Highly Commended at the British Mortgage Awards.
