www.iva.co.uk

Just trying to tidy up my credit file.

IVA was started in 2006 and completed in 2007.

My credit file is showing CCJ as "current 1 previous 0"

I have asked this to be updated to show "current 0 and previous 1"

Surely as I have completed the IVA I do not have a CURRENT CCJ?

Am I right in also assuming that in 2012 all reference to the CCJ will disappear?

Or am I wrong here?

Any defaults will stay on your credit file for 6 years from the date your IVA ws accepted. After that they will just simply drop off.

Lisa is right - they should all drop off after six years.

I know the defaults will fall off after 6 years, but should it still be showing a CURRENT CCJ when I have completed the IVA?

I have no idea Squawk. I presume the CCJ was included in the IVA?

Just had a quick look at Experian - The CCJ was superseeded by the IVA - however the CCJ was not completed, hence the reason for the CCJ showing.
But as said both will drop off after 6 years.

ginger3232 wrote:

Just had a quick look at Experian - The CCJ was superseeded by the IVA - however the CCJ was not completed, hence the reason for the CCJ showing.
But as said both will drop off after 6 years.

What do you mean by the CCJ was not completed?

In the letter I got from my IVA company on completion it stated that any adverse entries made against me in the County Court would be cancelled.

Just as an aside 2 out of the 3 CRA's show the CCJ has been satisfied, it's only one that I'm having a problem with.

And are you saying that you accessed my credit file?

kallis3 wrote:

I have no idea Squawk. I presume the CCJ was included in the IVA?

I assume the CCJ was due to the IVA, there was no other CCJ.

No one ever took me to court over a non payment, I had the IVA accepted before it got to that stage.

Now I am really confused, I have never had a CCJ against me and 2 of the 3 CRA show no CCJ's but one does.

I assumed I got the CCJ because of the IVA.

So now I had better ask for details of the CCJ as I now believe it should not be there at all.

Still confused though.

Hi Squawk, hope you get this sorted, unfortunately I can't help with any added advice but think ginger meant they had looked at the website of experian and not at your credit file.

If you've never had a CCJ then there shouldn't be one on your file as an IVA is shown as an IVA on your credit record.

Does it say what company has registered it? It could be on the wrong record. Perhaps someone has the same name as you and the CRA has made a mistake.

I'd speak to Experian and ask them if they can furnish you with any details.

Ginger won't have been able to access your record so you have no worries there.

Sorry for the confusion - no i can not access your credit file. If you have a CCJ and enter into a IVA - the IVA with superseed the CCJ - however the CCJ wont disappear. Nor is any scope on file to place "partially satified"(experian website does have loads of information leaflets for download on all topics regarding your credit file)

If a CCJ has been entered on your file incorrectly then you need to challenge this, find out who issued this to you

Partially satified means, for example your CCJ was for £1000 and you IVA paid out 70p/pound - the CCJ would have recieved £700.00

So techinically you paid £700 to your CCJ - "partially settled" however as stated there is no such term used on the credit file for CCJ -

IVA does not get rid of the CCJ - but just prevents action to recover money under the CCJ.

The CCJ will drop off file in 6 years as will your IVA.

Hopefully made things clearer (and not confused people even more)

Hi everyone

It doesn't always just drop off, I'm afraid.

I paid off my IVA last year, received my notice of completion, and the IVA's sixth anniversary was last month, however when I checked with Experian, my IP hadn't informed them that it was complete so it's still there. I now have to write to all of the credit reference companies to set my record straight.

Grrrr

Hi Cakemonster --- I am afraid informing the credit reference agencies of your success in completing the IVA isn't down to your IP. He / she will send a copy of your completion certificate to the Insolvency services to get you off the insolvency register, but clearing your credit file is down to you.

I would imagine that some of your creditors have defaults filed that post date the acceptance of your IVA.