I have my clearance and my name no longer appears on the register. Experian certainly have me logged as completed, but it took them 7 months to acknowledge the fact...
I'd like to start think about a newer car, and as my 6 year date is end of next February, does the flag of me being in an IVA just expire with the 6 year date, or do I have to remind the credit reference agencies to take it off, or is it "wait" a number of months for their records to catch up?
Best to check the other 2 credit reports have updated - Experian and Noddle/Callcredit - as different Lenders will search different Credit reports. If you send them a copy of the Completion certificate they should remove the IVA.
Nothing in default or arrears.
So now it's just a case of waiting for the 6year anniversary in 02/18 before the completed IVA to drop off the report, before I stand a chance of getting a loan for a car (at not a rediculous Apr rate)?
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