Posted: Sat Jul 11, 2015 1:47 pm
Hi
IVA started in 2010. I am ordering credit reports to see the state of play with dates, sold on debts by lenders etc with a view to everything dropping off file next year and then getting a new mortgage.
I've just ordered Equifax report and noticed that it has a history section now for archived Equifax Credit Reports & Equifax Credit Scores. Is this new or have I never seen it before? Anyway - it states archive status "6 years" with today's date. The assumption being that this bad IVA showing report will now be on my credit files for 6 years from today.
Anyone noticed this?
I am wondering if these reports are available to lenders and if so this means I have another 6 years of IVA being on file via reports which show it's presence?
I wouldn't recommend ordering a report from Equifax until this is clarified.
I'll keep this post updated but I just wondered if anyone has come across this?
Bw
Tula
IVA started in 2010. I am ordering credit reports to see the state of play with dates, sold on debts by lenders etc with a view to everything dropping off file next year and then getting a new mortgage.
I've just ordered Equifax report and noticed that it has a history section now for archived Equifax Credit Reports & Equifax Credit Scores. Is this new or have I never seen it before? Anyway - it states archive status "6 years" with today's date. The assumption being that this bad IVA showing report will now be on my credit files for 6 years from today.
Anyone noticed this?
I am wondering if these reports are available to lenders and if so this means I have another 6 years of IVA being on file via reports which show it's presence?
I wouldn't recommend ordering a report from Equifax until this is clarified.
I'll keep this post updated but I just wondered if anyone has come across this?
Bw
Tula