Credit file

[Sally1966]

Hi quick question, my Iva completed on 7.5.19 on my credit file everything has dropped off apart from 3 of my creditors that did not make a claim from my Iva , the default dates are after the start of my Iva . Also my credit score keeps dropping and it says my level of debt has increased since 3 months ago . I don’t have any new debts I don’t have any debt

[Foggy]

Credit scores will be all over the place for a good few months yet, especially as the IVA will show until the 6th anniversary.
Have a read here and use the template: https://www.iva.co.uk/what-does-an-iva- ... dit-record

[Sally1966]

Hi foggy thanks my 6th anniversary was the 21st June suppose it’s still early days yet . I will have a read

[kallis3]

You can always raise a dispute on your credit record and see if that does any good.

[Shaun Vickery]

What are the date of the other defaults?

[Sally1966]

They are dated the 19 June 2019 everything else has dropped off even my Iva its just 3 creditors they didn’t make a claim

[Shaun Vickery]

Sally, just to be clear, the defaults are dated last month but relate to debts around the time of your IVA over 6 years ago.

[Sally1966]

Yes Shaun that’s right

[Shaun Vickery]

Ok, thanks Sally. Then you have a legitimate right to have the dates corrected to the actual date of default. Otherwise, as you probably already know, these will have a detrimental effect on your credit file for some time to come. Write to the companies involved (you can get the address here https://ico.org.uk/esdwebpages/search) and insist that they deal with it. Technically speaking, if the debts pre-existed at the time of your IVA there's an argument to say that they should be brought into the IVA but I suspect that may be more complicated.

[Foggy]

Shaun -- I read it that these creditors were included in the IVA, but simply did not claim a dividend.
Sally -- is this correct ?

[Sally1966]

Yes foggy that is correct

[Shaun Vickery]

Noted. In which case the first part of my latest response will still apply to the extent that the defaults should not post-date the date of the IVA. Once these are corrected they will then disappear from record.

[Foggy]

Noted. In which case the first part of my latest response will still apply to the extent that the defaults should not post-date the date of the IVA. Once these are corrected they will then disappear from record.

I agree Shaun.