Credit File Clean Up

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Johnno
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by Johnno » Mon Feb 11, 2019 9:40 am
Good Morning,

I'm hoping someone will be able to point me in the right direction.

So I've just logged into my Experian account to have a look at the state of my Credit and was shocked to see a couple of things.

1) My IVA wasn't showing on my file?

2) All but one of the lenders who was part of the IVA has a completely different default date to all the others?

Can anyone recommend the best and quickest way of going around sorting it out?

Thanks

John
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Foggy
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by Foggy » Mon Feb 11, 2019 10:16 am
Johnno wrote:
Good Morning,

I'm hoping someone will be able to point me in the right direction.

So I've just logged into my Experian account to have a look at the state of my Credit and was shocked to see a couple of things.

1) My IVA wasn't showing on my file?

2) All but one of the lenders who was part of the IVA has a completely different default date to all the others?

Can anyone recommend the best and quickest way of going around sorting it out?

Thanks

John


My IVA came off of my Noddle report early --- it sometimes happens. It could still be lurking on the other agencies reports. It will appear under "Court Information".

Lenders often make up their own default dates, but they should all be amended to the start date of the IVA, or earlier. Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
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Ryan
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by Ryan » Mon Feb 11, 2019 10:29 am
On Experian it's also important to provide them with a full 6 year address history in your personal information as they will only search against the addresses that you provide. So if you have moved since the IVA began sometimes not all information will show until a full address history is provided (once the full address history is provided the report will refresh overnight).

Regards
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