Completed - but credit score went back down?
Posted: Mon Oct 23, 2023 11:24 am
Hi All,
My 6 year long IVA finished in August. I have my completion certificate.
I checked my credit report in September and the IVA had dropped off, no defaulted credit accounts, the score was 805. Happy days.
I then rechecked a few days ago and the score has dropped back to 394, with the IVA showing that's 75 months old & all defaulted accounts are back on there.
Surely after the 6 year mark the IVA should no longer be showing and my credit should be clear? I have written an email to Experian but wanted some advice in the mean time.
Thanks
My 6 year long IVA finished in August. I have my completion certificate.
I checked my credit report in September and the IVA had dropped off, no defaulted credit accounts, the score was 805. Happy days.
I then rechecked a few days ago and the score has dropped back to 394, with the IVA showing that's 75 months old & all defaulted accounts are back on there.
Surely after the 6 year mark the IVA should no longer be showing and my credit should be clear? I have written an email to Experian but wanted some advice in the mean time.
Thanks