Landlord check?

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stephen821

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Post by stephen821 » Wed Jun 03, 2020 7:49 pm
hi we started our IVA in 2012 finishing in 2017 we have just sold our home to downsize not having enough to buy another home we have decided to rent a home will the IVA hamper our progress with the landlord check

Foggy

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Post by Foggy » Wed Jun 03, 2020 8:09 pm
There should be no sign of the IVA anywhere by now -- if everything was done correctly. It should have disappeared from the Insolvency Register around 3 months after formal completion. You can check here : https://www.insolvencydirect.bis.gov.uk/eiir/

Then, it should, along with any defaults, have left your credit reference files on the 6th anniversary in 2018. It would be an idea to check these with each of the three agencies by ordering a copy of your statutory report. This can be done through their websites:

Equifax -- https://www.equifax.co.uk/Products/cred ... eport.html
Experian -- https://www.experian.co.uk/consumer/sta ... eport.html
TransUnion (formerly Callcredit) -- https://www.transunionstatreport.co.uk/

You do not need to sign up for any subscription services.
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

kallis3

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Post by kallis3 » Wed Jun 03, 2020 9:11 pm
Private landlords are usually pretty good as they don't tend to credit check.
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
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