A debt still shows on my credit file ...

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rajesh
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by rajesh » Tue Jun 26, 2018 4:32 pm
I have completed my IVA in 2016 and cleared all debts by 2017 . But still one credit showing up in my credit file with equifax and contacted the creditor but still it’s affecting my score . Could you give us some advise
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Ryan
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by Ryan » Tue Jun 26, 2018 4:40 pm
Hi Rajesh,

The Creditor should issue a default against the account with the IVA start date as the date of the default. Speak to the Data Controller at the Company the account was with. If you can contact them on Social Media that is often the quickest way to get things resolved.

Regards
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kallis3
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by kallis3 » Tue Jun 26, 2018 4:53 pm
Agree with Ryan.
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Foggy
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by Foggy » Tue Jun 26, 2018 5:04 pm
As Ryan says, it sounds as if this particular debt wasn't defaulted as it should have been -- there is a template in this article about clearing credit files: https://www.iva.co.uk/what-does-an-iva- ... dit-record
MortgageTips
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by MortgageTips » Wed Jun 27, 2018 8:41 am
rajesh wrote:
I have completed my IVA in 2016 and cleared all debts by 2017 . But still one credit showing up in my credit file with equifax and contacted the creditor but still it’s affecting my score . Could you give us some advise


Hi Rajesh
The Default stays on your credit report for 6 years. So if your IVA was registered more recently than June 2012, then you have to wait a little longer.
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Lisa Thomas
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by Lisa Thomas » Wed Jun 27, 2018 8:58 am
You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
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