Credit report question

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Post by katie955 » Tue Jan 12, 2021 6:36 pm
My IVA was approved on 15/1/2015. It was settled in November 2017. This is due to come off my credit file on 15/1/2021.

Looks like Equifax have already removed it, however Experian are still showing the IVA and 2 separate defaults (even through these we part of the IVA one of them with TSB has a default date of 10/02/2015) Will it drop off my Experian credit report straight away or will I have to wait weeks for this to show up. We need to get moving on a mortgage as we have reserved a shared ownership property and they won't forever whilst we try and get the mortgage sorted. It's causing me no end of stress.
We got turned down with Kent Reliance before Christmas as they had conflicting info from 2 different mortgage brokers.
Will Experian update in real time?


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Post by Foggy » Tue Jan 12, 2021 7:52 pm
The defaults will drop off 6 years from the default date --- it would take longer to get this corrected, now, before it drops off in February.

I would suggest you chat with Ryan or Shaun ... both are experts in adverse credit applications and have placed many mortgages for us ex-IVA'ers, often at High Street Rates.

Ryan and Shaun can be contacted via the details on their profile pages here:

Ryan : memberlist.php?mode=viewprofile&u=18488

Shaun: memberlist.php?mode=viewprofile&u=22837
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 Chesterkate » Wed Jan 13, 2021 8:24 am
Thanks for all your help - my main concern is the Experian credit report - will the IVA disappear from Experian on 15/1/2021? It’ll already gone from my equifax when I look at that.

Does anyone know what date Experian update?

I’ve got a complaint logged with tsb as default date is incorrect and should be 15/1/2015. We have a lender lined up who will not be too bothered about the default but it’s the Iva stopping us applying at the moment.

Many thanks
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