Credit report problem

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wakeywakey
Posts: 21
by wakeywakey » Thu Jan 25, 2018 7:41 pm
I noticed on my credit file only 2 defaults out of 10 creditors. Both round about when IVA started, so I think thats about right.
But another debt is stating me a "late payment" since July with ever increasing numbers on a red disc, so 6 red now. They haven't sent a default, but done this instead.

Won't I have major problems with this once the IVA is completed?
I know defaults are supposed to expire at the same time as the IVA but what about "Late payments"

What can I do?
wakeywakey
Posts: 21
by wakeywakey » Thu Jan 25, 2018 7:44 pm
Sorry, meant to ask same credit report, one of the creditors keeps doing an administrative review every single month.
Is that damaging once IVA finished ?
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Foggy
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by Foggy » Thu Jan 25, 2018 7:47 pm
Review should be ok.

Accounts should be marked with a default dated at the start of the IVA or they will not drop off. Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
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