my credit report

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benwar

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Post by benwar » Wed Aug 13, 2008 4:42 pm
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Hi, I started an IVA in early 2007 and had a F&F accepted 5 months ago. The IVA is not even mentioned on my credit report but a couple of my old debts are. I am a little confused to say the least! can anyboy explain? thanks
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Viki.W

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Post by Viki.W » Wed Aug 13, 2008 5:33 pm
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Hey benwar, welcome to the forum. Congratulations on completing your IVA. Your credit report will be shot for 6 years from the date of your creditors meeting. To be honest, I'm not sure what it actually shows up as. Please hang in there and someone who know a bit more will help you. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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benwar

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Post by benwar » Wed Aug 13, 2008 6:13 pm
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Thanks Viki. Under the section with bankruptcy & IVA it has nothing at all, maybe i've been lucky and should keep quiet about it! I did hear somewhere that the IVA stays on your file for a year from when you have settled the balance. Not that i want to get into my old wicked ways of borrowing again! (yet)
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Viki.W

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Post by Viki.W » Wed Aug 13, 2008 6:14 pm
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It is 6 years from your creditors meeting regardless of whether you pay it early or not. I know what you mean, I never EVER want to borrow again! X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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TheMatrix

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Post by TheMatrix » Wed Aug 13, 2008 6:33 pm
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Unusual, have you checked the insolvency register and the other agencies?

You will still have to wait the 6 years for the defaults to drop off, were the defaults registered pre iva creditors meeting or afterwards?
Last edited by TheMatrix on Wed Aug 13, 2008 6:34 pm, edited 1 time in total.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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