Hi, My IVA will be dropping off my credit file In about a year. Where else would details be held ?

[Andy101]

Hi,

My IVA will be dropping off my credit file in about a year and I'm just doing some tidying before.

Could you tell me all the places that details of my IVA are held?
I know about-
1) My credit file
2) The individual insolvency register

Are there any other places?

Do the courts hold the info and is it searchable?
How long are my creditors/courts allowed to keep detail, are they limited to 6 years?

Thanks,

Andy.

[Shining]

Hi, hope that last year goes smoothly for you. Not sure on all the answers to your questions but will keep it bumped up for you.

I know it should drop off your credit files 6 years from date of acceptance but worth checking as one of them likes to put a notice of correction on I believe.

Hopefully someone will come along soon. I basically sent mine to all 3 credit agencies and that was all.

[Adam Davies]

Hi

Some creditors can obtain details from past insolvency registers details, I believe, so in some instances can find out if you have been insolvent even though there is no current record. I don't think this is a widespread practice though

Regards

[Andy101]

Thanks Andy,

Do you know where that info is held?

[Adam Davies]

Hi

We will not have access to this.

I think the safest way forward is to use a creditor that you had no debts with going into your IVA to start rebuilding your credit rating

Good Luck

Regards

[Andy101]

Any other thoughts guys?

I'm interested in how long companies like Barclaycard can keep my records.

[Foggy]

Financial institutions keep records for ( I believe) 7 years from the date the association ends ( which would be the date of completion of the IVA).

Whether they delete them or archive them after this I do not know.