You should be able to put a note of correction on your file with Equifax - as the whole drop off file in a little while, its a quicker option than writing etc.
You need to check as well to make sure there are no defaults added after the date of IVA acceptance. If there are, then you will have to contact those creditors and send a copy of your completion certificate and tell them to remove those 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
An IVA is nothing to do with a CCJ and this should not be on your record.
The IVA will remain on your record until 2012 but your IVA company should have informed the CRA that you had completed.
You can always try sending a copy of your completion letter to the CRA to see if that will do anything, otherwise get in touch with your IP and see if they can help - they should still have your records.
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
Court Information and other public records
Judgments are issued as a result of County or High Court action. If a Creditor/Claimant (the person looking to claim the money from you) is owed a sum of money by you they may raise a claim against you in either the County or High Court, for recovery of these monies. If the court agrees that the Creditor/Claimant is owed the money, then a Judgment will be granted by the court against the Individual (Defendant). The monetary value of this Judgment will be for the amount due and any associated costs. In Scotland similar judgments given in the Sheriffs Courts are called Decrees. Equifax receives this information from Registry Trust Ltd. Registry Trust Ltd is a non-profit making company, contracted by the Lord Chancellor, through the Ministry of Justice, to maintain the statutory public Register of Judgments, Orders and Fines covering courts in England and Wales. As well as holding public registers covering money Judgments/Decrees in Scotland, Isle of Man, Northern Ireland and Jersey, Registry Trust Ltd acts as a clearing house for Judgments registered in Eire. Details of all these Judgments/Decrees, and any subsequent amendments, are passed to the credit reference agencies for inclusion in their Reports.
Number Present Current 1 Previous n/a Linked n/a
Latest reply from CRA
Court Information - Voluntary Arrangement
The court record you can see on your Credit Report is the record of your IVA.
The Current record you are looking at on the summary just means that there is one court record showing at your Current Address. I can assure you that this is not outstanding. Your IVA shows as completed
The court info says nothing about an IVA and to me reads like I have a CCJ. What do you guys think? ANd if it is the IVA then surely it is not current?
I don't think you have anything to worry about. From your last copy and paste it says your court record shows your IVA, which is a court record.
Even though it has been completed it will remain on there until six years after initial acceptance.
It does not say that you have a CCJ.
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
Without looking at your full record Squawk I have no idea. I've not checked mine since starting the IVA.
Hopefully someone who has completed will be on to help.
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
Looking at my own Experian Credit report - there is a "Public Record Information Section" - which will contains details of CCJ/Bankruptcy/IVA -if recorded
Where it says Voluntary Arrangement - that is your IVA (an individual voluntary arrangement). From what you pasted there is no CCJ. The blurb at the top will be generic to every credit report.
Rather than spent your time and energies on this - when exactly does your 6 years period finish ? - after that, you show find it automatically drops off - Only THEN will you be able to START to build up your credit report. You have got a completion certificate ? - if so your IVA is completed.
