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JustPlainStupid

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Post by JustPlainStupid » Tue May 11, 2021 8:06 am
Hi all

I paid off my IVA in around July 2020. Got my completion certificate shortly after and my credit report is showing that the IVA was satisfied in February 2021 (6 months after completion?)

But on my report there are still 2 debts which are showing as "default" with a big "D" against all months up to the current month. All the others have gone.

Should these have disappeared by now as well or is this where I need to wait until 6 years after the start date of the IVA (August 2021)?

Cheers
Andy

kallis3

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Post by kallis3 » Tue May 11, 2021 9:45 am
After August they should disappear automatically. I'd hang on and see what happens then.
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.
http://kallis3.blogs.iva.co.uk

Foggy

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Post by Foggy » Tue May 11, 2021 10:13 am
They should disappear 6 years after the default date ( so check that). The default date should be on or before the date the IVA started and you might need to intervene to get it changed.
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

JustPlainStupid

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Post by JustPlainStupid » Thu May 20, 2021 7:03 am
Thanks guys. I'll hang fire. I'm not that bothered but I keep getting emails from Credit Karma prompting me to check my credit file. Otherwise, I probably wouldn't even know about it.

JustPlainStupid

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Post by JustPlainStupid » Thu May 20, 2021 7:05 am
Actually. Just checked again and one of the two has disappeared since I originally posted.

Thew default date on the other is 29 July 2015 so it looks like it's probably on track.
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