Getting IVA removed from credit file

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emptypockets
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by emptypockets » Wed Feb 14, 2018 4:40 pm
Hi everyone,
I started my iva on 13/02/2012 and was paid off early with with F+F settlement in 2015. As it's been 6 years since the start, does it just "fall off" of my credit report or do I have to arrange to have it taken off?
Cheers
EP
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Foggy
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by Foggy » Wed Feb 14, 2018 4:49 pm
emptypockets wrote:
Hi everyone,
I started my iva on 13/02/2012 and was paid off early with with F+F settlement in 2015. As it's been 6 years since the start, does it just "fall off" of my credit report or do I have to arrange to have it taken off?
Cheers
EP


The IVA itself, providing it has been correctly completed and removed from the Insolvency Register, will drop off itself at the 6 year mark. However the resultimg defaults will drop off 6 years after they were registered -- this should be around the start date of the IVA -- but isn't always and needs to be checked. Have a read here:

https://www.iva.co.uk/what-does-an-iva- ... dit-record
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emptypockets
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by emptypockets » Wed Feb 14, 2018 5:20 pm
Thanks Foggy. Does it automatically come off the register? I have completion cert, or do I need to notify them?

Thanks again
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Ryan
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by Ryan » Wed Feb 14, 2018 5:22 pm
From your dates it should have fallen off yesterday - best to check all 3 reports individually though just to make sure. Things like Checkmyfile aren't very good as they only have access to limited information.

Regards
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emptypockets
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by emptypockets » Wed Feb 14, 2018 5:35 pm
Thanks Ryan.

I'm on Noddle and Clearscore and it's still showing. Maybe I'll wait a bit
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Foggy
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by Foggy » Wed Feb 14, 2018 5:49 pm
emptypockets wrote:
Thanks Ryan.

I'm on Noddle and Clearscore and it's still showing. Maybe I'll wait a bit


Check the Register -- Just to make sure --- it should have gone already. Here is their search page https://www.insolvencydirect.bis.gov.uk/eiir/

Noddle and Clearscore can be up to two months behind what is actually showing on your statutory credit reports.
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emptypockets
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by emptypockets » Wed Feb 14, 2018 6:58 pm
Thanks Foggy!
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Lisa Thomas
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by Lisa Thomas » Thu Feb 15, 2018 11:11 am
You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
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emptypockets
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by emptypockets » Thu Feb 15, 2018 5:26 pm
Thanks Lisa
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