www.iva.co.uk

Can I really be this lucky?, I made my final payment in Feb 2012, got my CC around aug this year, so I sent away to get the Equifax/Experian/call credit to start the process of clearing my credit file, now my IVA was registered at my then address in sunderland, I moved to Glasgow about a year in, so the default CCJ's etc would have been at the sunderland address. On all the searches I put my Glasgow address in as current and the sunderland address in as a previous address. Got all the reports back expecting a long hard slog but I can't see any details of the IVA on my credit reports, only thing showing is a credit card I took out after the IVA help build up my credit rating (I pay it off every month), my mobile phone, and my aa membership, no CCJ's default of any bad debts show?, on Experian I get a good credit and score over 900, can this be correct?, I know defaults ccj's etc come off after 6 years but most other threads seem to say they hang about longer am I missing something?? or have I just been lucky??

Sounds like with variations of address you may have escaped the net Scooby. But, not to hack you off, don't be surprised if they appear sooner or later. But your IVA should have appeared, on one of the three CRAs files by now. Long may it last I say.

I was thinking as the IVA finished in Feb2012, and its now more than 6 years since the IVA was registered (2007) that the information was on but has now expired, surely if its not appeared after 6 and a half years its not going to go on once I've finished?

I think the information has just fallen off in the CRA update, any correctly dated defaults fall off automatically after 6 years and if you have completed your IVA with completion certificate this would have fallen off shortly after August 2013.

Obviously the defaults etc were correctly dated and therefore you didn't have to put any effort in to clean up your file.

Congratulations on completing your IVA