www.iva.co.uk

Hi guys,

Well I finally finished my IVA at the end of April! So I have jumped on Equifax and Noddle to check my credit report and start sorting it out.

So some questions for you guys if you can help:

1) I have a default on my report from TTI SPC (I have no idea who these guys are, but probably took over a debt I had with NEXT) Even though I finished the IVA in April they are still adding defaulted payments, last one being 1st May this month.

I have opened a dispute with Noddle and automatically got a reply saying tough S*** we have rejected your dispute. My belief is that the default on this account should be dated back to when my IVA started? Am I correct?

2) My other debts/creditors are showing as satisfied. But a couple of them show defaults right up until this month and one actually says partial settlement.

What would guys recommend I do from here. Obviously I haven't hit that 6 year mark for things to drop off the records but I want to make sure it all drops off next year.

Hi,

Write to the creditors enclosing a copy of your completion letter when you get it and tell them to remove defaults back to when the IVA started and they have to do it.

It's not down to the credit agencies to sort this. Your IVA won't drop off until the six years are up but you can start to fix this.

I would wait until the 6 year anniversary passes. This is when defaults etc should drop off - you might be jumping the gun a little early.

Have a read here:

http://debtcamel.co.uk/repair-credit-record-iva/

Defaults can be reported every month, but the default date should be around the start of the IVA.