just made my last contribution and i'm waiting for my completion certificate...yipee. i am now keen to get off the standard variable rate and get a better mortgage rate. i have checked credit expert and all looks very good. equifax on the other hand has history going back 10 years and doesn't look good! i thought reference agencies only kept info for 6 years...any advice out there?
Entries should drop off 6 years after either the account is defaulted or closed -- while the account is open the entries can go back as far as the agencies wish, as still being current.
Regarding the IVA, accounts defaulted should be defaulted on or about the start of the IVA and hence drop off 6 years later.
My clearscore report(part of equifax) was showing a history of 10 years for some of my closed accounts but once the 6 year anniversary was up everything dropped off.
