How do companies know I have had an IVA if it is not on my record ?

[bluenose4464]

I completed my IVA last year and received my certificate of completion and I informed the credit reference agencies. The IVA does not appear on any of them, however when enquiring about a loan against the house to get a car, the company involved (Fluent) were aware that I had had a IVA even though it did not appear on my record. I spoke to a representative on the phone who said that they will not touch anyone who has had an IVA for at least 3 years. The question I have is how do these companies know you have had an IVA if it is not on your record?

[ginger323232]

bluenose - are you going back to previous creditors or associated creditors?? - these companies are required to keep records for an MINIMAL 6 years after account closes, so despite your IVA not showing on your credit agencies records it may be noted elsewhere

[Foggy]

Fluent are a brokerage, so might have been tipped off by one of the companies they tried to place the business with -- one or more of those could be a past creditor or a member of the same group of companies.

Another possibility is that there is still the caution ( RX1) on your title deeds. This should have been removed, but worth checking.

[iamfubb2]

All IVA's go on a register which is accessible to anyone, for free online. Were you not told this by your IP?

[Foggy]

This IVA completed last year, so the entry on the register should be gone. But a useful check for the OP to make.

[MelanieGiles]

Major lenders have regular access to the insolvency register and may well keep a historic snapshot for future referencing purposes.