Hi, I completed my IVA in full almost 30 months ago now via a settlement which met the full terms of my original IVA, the info from this IVA dropped off my credit file in November and since then I have been carefully building my credit score back up.
My partner and myself are currently looking at moving house and I would need to get on a mortgage so I have checked my credit file to find that two previous issues which were covered by my IVA and were removed from the file after I wrote to them and showed them my completion certificate have reappeared. These marks have made my credit score drop and I'm certain they won't help me out in getting a mortgage.
I've spoke to Grant Thornton who handled my IVA who have said they will contact the former creditors, and that I should do the same.
Is there any other advice as to why this could have happened? Should I resend the standard letter that is on here about removing information from credit reference agencies?
I thought I'd turned a corner with all this and now I feel like I'm back in a mire
Unfortunately this does happen, don't know why but hopefully Aperture will help you out and it won't hurt to send a copy of your completion to the credit agencies and also to the creditors concerned.
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
In any letters also point out that be processing out of date information you can demonstrate financial harm.
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.
Thanks, Grant Thornton/Aperture have said they'll send me another copy of my completion cert as it's currently packed away waiting for us to move.
I was intending to repeat what I'd done previously so thats inline with what you're suggesting. Thanks for the help.
