I have searched forum first and can see CRAs a law unto themselves
26.10.18 entered into IVA
04.09.19 F&F IVA settled certificate of completion
So wanting to correct CRAs now and then put paperwork away
1. Some CRAs are still showing default after IVA started. I'm guessing from posts they can show what they want and no standard reporting
2. From the date of the certificate of completion should all accounts stop showing default and I know they can show satisfied or partially satisfied or nothing-again no industry standard
Goal is in 6 years time at anniversary of IVA completion all the default accounts should disappear.
For correction, any creditor should not be showing a default after the date of the certificate of completion
Is this correct?
No. The certificate of completion will only get the IVA itself marked as completed at the CRAs. The defaults still stand until the 6th anniversary of the date of default, which should be on or around the start date of the IVA.
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