www.iva.co.uk

Hi All,

We are in the process of cleaning up our credit file, and have just got a copy from Experian.

A First National Account, which was included in our IVA, is marked has settled in August 2013.
This will stay on file for 6 years showing the adverse payment history!

My question is can I demand they reinstate this as a default, and backdate it to when our IVA commenced in August 2009?

It will stay for 6 years from the default date, NOT the settled date. The default date should be on or before the date of the start of your IVA.

Have a look here for more info:

http://pjgrecovery.com/clean-up-credit-rating.asp

Thanks Foggy.

There is no default date on this entry, only a settled date. I assume I need to take this up with First National and get them to up date there file. I believe the debt has been sold on hence why they have marked my file as settled.

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Foggy

It will stay for 6 years from the default date, NOT the settled date. The default date should be on or before the date of the start of your IVA.

Have a look here for more info:

http://pjgrecovery.com/clean-up-credit-rating.asp