www.iva.co.uk

I completed my IVA in March this year, although actually made my full and final settlement payment in July 2008.

I am now applying for a new job and part of this involves a credit check. I have looked on Experian, and several of the debts covered by my IVA are showing as defaulted with balances outstanding, some as defaulted but satisfied. (All of the creditors showing defaulted were covered by the IVA)

Is this normal? Should they all be showing as Satisfied as the IVA has covered them? I do have my certificate of completion so know that I am clear of my creditors, but now don't want the defaults to affect my new job prospects? I

Is there a template letter anywhere that I can send to creditors to get them to update my credit file with the reference agencies?

Thanks

Andy

Andy, I believe your credit will be affected for 6 years from the start of your IVA even if you settled early, after 6 years you will be able to request all defaults are removed from your file but until the 6 years are up you will still have problems,

Fox,

Thanks, I was aware that they would remain on file for 6 years from the start date, I was just confused as to why some defaults are shown as Satisfied whilst others aren't - surely they should all be Satisfied now the IVA has completed?

Andy

Not sure about that Andy but see what your saying, need one of the experts to confirm whether that is so hopefully one will be along soon!

I believe this is a duplicate post and has been answered as well on the other thread.