Year after IVA finished, what happens now?

[Joanna221]

Hi all
I finished my IVA with GT last April (should have been November 2010 but had a payment break)and it was the happiest day of my life! I joined Credit Expert in December and all my debts had been removed, i went back on last week to find my IVA was on there again, i spoke to a nice chap at CE who said that it should have been removed last november, he said if i sent the letter from GT to them they would remove it. I have now got to wait a month for them to sort it. My question is once it has been removed should i start trying to get my credit back up, have i left it long enough as i have been too scared to apply for credit since November just in case i get turned down. What have those of you that have been through this done?[:X]

[kallis3]

Hi,

Have you checked with all three agencies to.see if there are any defaults on there? Once you get your completion letter then send a copy off to.any creditors that have continued to default and tell them to.re.ove any after the date of IVA acceptance

[Joanna221]

Hi
What are the other 2 credit reference agencies? It had ben removed from CE when i checked in December but appeared again in the last 3 months.

[kallis3]

Hi,

They are Equifax and Call Credit.

[tonyranks]

doesnt the ip send letters to creditors, why are we contacting them

[MelanieGiles]

It is not the responsibility of the IP to update the credit agency registers.

[tonyranks]

point taken melanie, so how soon should we contact cra after recieving cc from ip, many thanks

[Niobe]

You can do it as soon as you have your completion letter - they have to take off any default dates after the date of IVA acceptance.

[tonyranks]

I am wondering how to word the letter, and many thanks

[Kelly O]

Hi Tonyranks

I just posted a template under your other post, have a look and see if it is what your looking for?

It might be helpful

[tonyranks]

yes you did, many thanks