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Posted: Tue Feb 22, 2011 2:03 pm
by cockerhoop
just done an experian credit check, post 6 year IVA
got a good score, but a comment "negative effect bankrupt on last 6 years" what does this mean and can i get it removed now?
Posted: Tue Feb 22, 2011 2:18 pm
by ginger3232
Hi - i may have misread but you have finished an IVA.
But you
refer to Bankruptcy - Experian refer to Bankruptcy being on your report for a "minimal of 6 years" - longer depends on condition and length of Banruptcy.
Iva and bankruptcy completely diffrent - so if your report refers to bankruptcy then needs to be changed
Posted: Tue Feb 22, 2011 2:28 pm
by ginger3232
Posted: Tue Feb 22, 2011 2:59 pm
by cockerhoop
have been informed if we send experian a copy of our completion cert the comment will be removed within a day or two as we are post 6 years
Posted: Tue Feb 22, 2011 3:02 pm
by ginger3232
Good - also have also look (Unles you have) at the above leaflet from Experian about IVA - you may find it useful
.
How you doing rebuilding you credit?
Posted: Tue Feb 22, 2011 3:16 pm
by cockerhoop
red the leaflet quickly, and i think we can get comment removed easily
our score is quite high 900ish so its looking good
Posted: Wed Feb 23, 2011 8:39 am
by kallis3
The IVA should certainly have dropped off by now - check that there are no defaults added after the date of IVA acceptance as well.