www.iva.co.uk

Hi all

I paid off my IVA in around July 2020. Got my completion certificate shortly after and my credit report is showing that the IVA was satisfied in February 2021 (6 months after completion?)

But on my report there are still 2 debts which are showing as "default" with a big "D" against all months up to the current month. All the others have gone.

Should these have disappeared by now as well or is this where I need to wait until 6 years after the start date of the IVA (August 2021)?

Cheers
Andy

After August they should disappear automatically. I'd hang on and see what happens then.

They should disappear 6 years after the default date ( so check that). The default date should be on or before the date the IVA started and you might need to intervene to get it changed.

Thanks guys. I'll hang fire. I'm not that bothered but I keep getting emails from Credit Karma prompting me to check my credit file. Otherwise, I probably wouldn't even know about it.

Actually. Just checked again and one of the two has disappeared since I originally posted.

Thew default date on the other is 29 July 2015 so it looks like it's probably on track.