Credit file clean up.

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Clarencew

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Joined: Tue Nov 03, 2020 10:24 am

Post by Clarencew » Tue Nov 10, 2020 6:13 pm
Hi all,
Looking for a bit of advice.
Not long finished my IVA, and looking into cleaning up my credit file. It's not looking to bad apart from a credit card account that was part of my IVA but is showing as "Current" & not "Closed". After fishing out my paperwork it looks like the debt was sold. Who do I send my polite letter to, too close the account, the original creditor or the company whom brought the debt?
Thanks for any advice in advance.

Foggy

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Post by Foggy » Tue Nov 10, 2020 7:05 pm
As far as I am aware it should be the company who placed the default. However, the status is not important. More so is the actual default date as it will disappear in 6 years from that date. Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Clarencew

Posts: 3
Joined: Tue Nov 03, 2020 10:24 am

Post by Clarencew » Tue Nov 10, 2020 7:22 pm
Thank you, I'll take a look.
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