Getting your credit records post IVA is a little complicated.

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Imhotep
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by Imhotep » Mon Aug 21, 2017 10:15 am
As we received our completion certificate on Saturday morning (yay!) I was keen to get the ball rolling with starting to tidy things up.

First stop, Equifax.
I signed up to the 28 day free trial (via the TopCashback link of course) and everything looks in order.
Our IVA is showing under 'Court information and other public records'. Early days I know. Other than that I'm rated 'Good'.
I rang up and asked who to send the completion certificate to and was told "www.equifax.co.uk/ask" Emm... right then, this is going to be complicated...

Next, Experian.
I signed up. Oh, the free subscription is just some 'Credit Matcher' thing. Upon closer inspection I see you can go 'CreditExpert' for 14.99 a month which gives you
"unlimited access to your Experian Credit Report with tips on how to improve your credit score and web monitoring to help protect your online identity"
Okay then, I'll upgrade. It is only for a month... I hope.

Finally, Callcredit.
Is it me or is this just Noddle? I have Noddle already. Should I sign up? I need to send them my completion certificate... I think.

Urgh... time for a coffee.
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Foggy
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by Foggy » Mon Aug 21, 2017 10:22 am
Don't sign up to any of them for credit clean up --- you need statutory reports, available from each at £2 a pop. The online services are only good for cursory monitoring. Have a read of the last few entries on my blog. As well as here:

https://www.iva.co.uk/what-does-an-iva- ... dit-record

It is not complicated at all -- I did very little with mine, other than watch and the odd question. I didn't send them anything -- the IP reports to the Insolvency Service and they, in turn, report to the CRAs.
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Imhotep
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by Imhotep » Mon Aug 21, 2017 10:32 am
Hi Foggy.

I'll cancel within the 30 days, but after 20 days (so I get my TopCashback) :D

I can't get your blog to work, I've tried to access it several times.
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Lisa Thomas
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by Lisa Thomas » Mon Aug 21, 2017 10:38 am
Once you come off the register that should make a difference too.
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Imhotep
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by Imhotep » Mon Aug 21, 2017 10:43 am
Excellent! The register now shows 'Completed' with the date.

I'm just panicking because our car is totally clapped out. I'll be taking it to the garage to sort out a new coolant leak this week.
But I'm just desperate to get a new one.
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Foggy
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by Foggy » Mon Aug 21, 2017 11:12 am
Thanks for letting me know about the blog -- I can't access it either ! I will report it to admin, as, I am guessing, other blogs might be affected.
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kallis3
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by kallis3 » Mon Aug 21, 2017 11:53 am
If you still have defaults showing, you will need to send a copy of your completion to the data controller at the creditor(s) concerned and tell them to remove said defaults back to the start of your IVA.
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Imhotep
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by Imhotep » Mon Aug 21, 2017 12:25 pm
No defaults listed anywhere. None of my IVA creditors are listed at all. Just current stuff like mobile, energy suppliers, mortgage.

For a while my Noddle report looked like a game of Connect 4 from hell.
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Imhotep
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by Imhotep » Tue Aug 22, 2017 4:09 pm
I've just realised. How do I get the caution lifted from my property?

Should the IP have done this as part of the completion process?
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kallis3
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by kallis3 » Tue Aug 22, 2017 4:13 pm
Your IP should do that - get in touch to make sure they have done this.
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Foggy
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by Foggy » Tue Aug 22, 2017 6:26 pm
Imhotep wrote:
I've just realised. How do I get the caution lifted from my property?

Should the IP have done this as part of the completion process?



IP should have done it -- but more often these days they forget !

You need a copy of your title from Land Registry to check for any restrictions for a few quid. Go via a .GOV website ( there are plenty of official looking sites that will charge you a lot ).
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Imhotep
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by Imhotep » Wed Aug 23, 2017 4:57 pm
Thanks Foggy. I got one (I think), it cost three quid.

Is it obvious there is a caution? I didn't see any mention of one anywhere.
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Foggy
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by Foggy » Wed Aug 23, 2017 5:08 pm
Imhotep wrote:
Thanks Foggy. I got one (I think), it cost three quid.

Is it obvious there is a caution? I didn't see any mention of one anywhere.


Restrictions usually appear in Section B: Proprietorship Register, labelled "Restriction"
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Imhotep
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by Imhotep » Wed Aug 23, 2017 9:22 pm
Great, thanks. I'll have a better look in the morning.
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Imhotep
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by Imhotep » Sat Aug 26, 2017 10:11 am
Well, nothing in section B about a caution.

In the meantime, I'm still listed on the Insolvency Register with a note saying 'Completed'. Yeah, it has almost been a month but I just want to see my name off it.

Experian I get a whopping 999/999 already.
Equifax have it still listed "You have had at least 1 public record in the last 6 years". Months since last record entered: 81. Err... isn't that longer than six years?
I've asked for it to be removed as it is completed. They checked, and agreed. Should be off within the next 4-5 days. Should bump up my Clearscore from the current 388.
Callcredit / Noddle seem to be way behind. Still showing as active. I've disputed it and sent off a copy of my completion certificate (the first one I've had to send off so far).

Hope this is of use to people nearing the end or completed their IVAs.
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