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Posted: Sun Mar 22, 2015 9:23 pm
by rks
hi at last completion certificate on its way according to GT , they told me I only need to update details with on credit agency ie forward copy of completion cert , is that all I need to do now ? also will my credit file be now all clear ? thanks for any info .
Posted: Sun Mar 22, 2015 9:32 pm
by Foggy
Hi and congratulations. Have a look here for credit clean up info:
http://pjgrecovery.com/clean-up-credit-rating.asp
You will need to check all three agencies as they do not share information. Assuming you get the defaults correctly dated they and the IVA will disappear 6 years after the start of your IVA.
Also, in a couple of weeks, check the insolvency register to see if you have been marked as completed --- your details will be removed from this register within three months.
Posted: Sun Mar 22, 2015 9:41 pm
by rks
hi thanks I just checked the IR my iva started in august 2008 .I had completed the 6 years of payments in Aug 2014 , but the register still shows on file , not saying completed either is this correct ? thanks
Posted: Sun Mar 22, 2015 9:50 pm
by Foggy
It is correct for the moment. GT will send them a copy of the completion certificate at the same time as they send you yours. They will them mark it completed and then remove within three months.
As your IVA was over 6 years it should be removed as soon as the credit reference agencies get a copy. You will need to check the individual default dates to make sure they are correctly dated on or around the start of your IVA and they, too, drop off on the 6 year mark ... so they should already have started disappearing.
Posted: Sun Apr 19, 2015 8:22 am
by rks
After just 2weeks having received my completion certificate my entry on Insolvancy Register has been removed ! Great news , so now can i just send letters out the the 3 main CR agencies to ask them to remove all entries pertaining to my defaults with credit cards ect ?
it was 6 years in august 2014 , my iva entry started in aug 2008 .
Thanks for any info in advance .
Posted: Sun Apr 19, 2015 8:45 am
by ashb
Can anyone Dvise me where I can look or find the Insolvency register?
Posted: Sun Apr 19, 2015 8:54 am
by ashb
I have found the register and do not see my name listed, can I take it that has I have completed that it has been removed?
Posted: Sun Apr 19, 2015 8:59 am
by rks
just type in insolvancy register in google it comes up gov website.
Posted: Sun Apr 19, 2015 10:31 am
by Foggy
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by rks
After just 2weeks having received my completion certificate my entry on Insolvancy Register has been removed ! Great news , so now can i just send letters out the the 3 main CR agencies to ask them to remove all entries pertaining to my defaults with credit cards ect ?
it was 6 years in august 2014 , my iva entry started in aug 2008 .
Thanks for any info in advance .
Follow the link and all will be revealed:
http://pjgrecovery.com/clean-up-credit-rating.asp
Posted: Sun Apr 19, 2015 10:33 am
by Foggy
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by ashb
I have found the register and do not see my name listed, can I take it that has I have completed that it has been removed?
Assuming you are looking in the right place ( and it was on there before)then you have been removed. Sometimes this does happen within days, despite official protocol.
Posted: Sun Apr 19, 2015 1:31 pm
by rks
hi yes been checking a while , its not there anymore for sure
Posted: Sun Apr 19, 2015 9:32 pm
by ashb
Nor is mine but I never checked at all through the IVA
Posted: Fri Jun 05, 2015 8:46 am
by Alfie.04
Oh Happy Days,IVA last payment April 15,Completion certificate May 15.Removed from insolvency register.Well done to Credit fix.
Posted: Fri Jun 05, 2015 9:56 am
by Foggy
Well done Alfie