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Credit file

Posted: Wed May 15, 2019 9:18 am
by Sally1966
Hi I got my cc last week, how long does it take to show on your credit file that the Iva is no longer active
Thank you

Re: Credit file

Posted: Wed May 15, 2019 10:01 am
by Foggy
Wed May 15, 2019 9:18 amSally1966 wrote:
Hi I got my cc last week, how long does it take to show on your credit file that the Iva is no longer active
Thank you
It will take three months for the IVA to clear off the Insolvency Register, but will show as completed there shortly. Once you are off the Register it should be marked as completed on your credit reference agency files, but that is little help as it is still there until the 6th anniversary of the start of the IVA. Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record

Nearly there -- well done !

Re: Credit file

Posted: Thu May 16, 2019 7:26 am
by spongebob
Well done!

Be sure to check all three credit reference agencies for the drop off once the time has elapsed as Foggy says above.

Re: Credit file

Posted: Thu May 16, 2019 8:21 am
by Lisa Thomas
Congratulations on finishing your IVA.

You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle, Clearscore and Totally Money are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
https://www.totallymoney.com/