IVA Complete - Credit Reference agencies query

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markey75
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by markey75 » Fri Jul 28, 2017 11:01 am
Hi,

Got IVA completion cert in February 2017. Have been checking my Credit file over last few months, most is fine but logged into Noodle yesterday (Call Credit) and found 2 open accounts, that are listed as closed on Experian and Equifax. The original default date is listed as the date my IVA started but there are default stamps every month upto and including this month.

A couple of questions:


1. Do I need to do anything about this or will it fall off my record after six years from the original default date?

2. Most of the closed accounts on all reference agencies show £0 balance however some still show a balance, will this be an issue or will I need to contact them all in turn (all default dates are in and around beginning of IVA)

Thanks
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Foggy
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by Foggy » Fri Jul 28, 2017 11:05 am
Bottom line is, if the default date is correct, it will drop off at the 6th anniversary, whatever it shows. It is niot at all uncommon for the three CRA's to show differing information (which is worrying in itself).
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Lisa Thomas
Industry Expert
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by Lisa Thomas » Fri Jul 28, 2017 3:35 pm
You might find this quick video I made about cleaning up your credit record useful:

https://www.youtube.com/watch?v=PV4RzUY4BRM

Noddle and Clearscore are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
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