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Post by Johnno » Wed Nov 14, 2018 3:58 pm
Good Afternoon,

my IVA is due to finish in January after a very long 5 years, I'm now trying to find out some information about what happens after this payment, I've spoken to Creditfix and they have advised that all i need to do is cancel my standing order and wait for the C.C to arrive through the mailbox.

However what I'm not sure of is all the account i have as showing defaulted on my credit file, will they drop off once i send in the C.C or will they be there until next year?


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Post by kallis3 » Wed Nov 14, 2018 4:02 pm
Should all drop after your six years are up
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.


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Post by Ryan » Wed Nov 14, 2018 4:17 pm
As Kallis says a default will show for 6 years from the date it is recorded - the start date of all the defaults should be the same as the IVA start date so that on the 6th Anniversary all the reports (Experian, Equifax and Callcredit/Noddle) should be clear.

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Post by Foggy » Wed Nov 14, 2018 5:35 pm
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

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Post by Lisa Thomas » Thu Nov 15, 2018 9:25 am
You might find this quick video I made about cleaning up your credit record useful:
Noddle, Clearscore and Totally Money are also free credit agencies to consider using:
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: ... Z5k9ZcC2MA 01752 786800
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