www.iva.co.uk

I completed my IVA last year and received my certificate of completion and I informed the credit reference agencies. The IVA does not appear on any of them, however when enquiring about a loan against the house to get a car, the company involved (Fluent) were aware that I had had a IVA even though it did not appear on my record. I spoke to a representative on the phone who said that they will not touch anyone who has had an IVA for at least 3 years. The question I have is how do these companies know you have had an IVA if it is not on your record?

bluenose - are you going back to previous creditors or associated creditors?? - these companies are required to keep records for an MINIMAL 6 years after account closes, so despite your IVA not showing on your credit agencies records it may be noted elsewhere

Fluent are a brokerage, so might have been tipped off by one of the companies they tried to place the business with -- one or more of those could be a past creditor or a member of the same group of companies.

Another possibility is that there is still the caution ( RX1) on your title deeds. This should have been removed, but worth checking.

All IVA's go on a register which is accessible to anyone, for free online. Were you not told this by your IP?

This IVA completed last year, so the entry on the register should be gone. But a useful check for the OP to make.

Major lenders have regular access to the insolvency register and may well keep a historic snapshot for future referencing purposes.