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Posted: Tue Jan 19, 2016 2:54 pm
by grimswold
The IVA completed 17th November. I note that on Noddle and Clearcredit they show defaults up to and including November. Is that right? Or should they have been removed at the start of the IVA which was March 2014.
Sorry to be so thick, it's confusing.
Thanks in advance
Grim
Posted: Tue Jan 19, 2016 2:57 pm
by kallis3
Your defaults should go back to the start of your IVA. Clearscore are usually pretty accurate as are Noddle. You also need to check Equifax as well.
Posted: Tue Jan 19, 2016 3:51 pm
by grimswold
They go back to the beginning, but they are still there at the end. Is that correct or do they stop when the IVA starts?
Posted: Tue Jan 19, 2016 3:52 pm
by kallis3
They should stop when the IVA starts. Write to the data controllers concerned with a copy of your completion letter and tell them to remove the defaults.
Posted: Wed Jan 20, 2016 9:18 am
by Lisa Thomas
I agree with Kallis - there shouldn't be defaults after the date the IVA started. You could contact the creditors and get them to correct the defaults.
Posted: Wed Jan 20, 2016 10:34 am
by grimswold
Thank you so much for your help, I will be doing that today!
Makes you wonder how people who don't have this site and the incredible advice cope.
Posted: Wed Jan 20, 2016 1:16 pm
by Lisa Thomas
Hopefully you can get it sorted. Glad we could help.
Posted: Wed Jan 20, 2016 2:04 pm
by kallis3
Fingers crossed you get it sorted - let us know how you get on.