When will the IVA no longer show on my credit file?

Get expert opinion. This is the place for new questions to be posted.
6 posts Page 1 of 1

claire111

User avatar
Posts: 1
Joined: Thu Feb 22, 2018 12:56 pm

Post by claire111 » Thu Feb 22, 2018 12:56 pm
My IVA has been completed a year ago yet it still states it current on my credit file, how do i remove it? no-one seems to be able to give me clear instructions on how to do it

Ryan

User avatar
Industry Expert
Posts: 1003
Joined: Thu Nov 03, 2011 10:03 pm
Location: United Kingdom

Post by Ryan » Thu Feb 22, 2018 1:04 pm
Hi Claire,

When did it start?

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

MerlinL14

User avatar
Posts: 1605
Joined: Sun Oct 30, 2011 2:44 pm
Location:

Post by MerlinL14 » Thu Feb 22, 2018 1:09 pm
The norm is 6 years after the start date of your IVA but this can differ by a few months as things tend to get overlooked by 'someone'. If you have defaults showing after 6 year and a few months then unfortunately it is down to you to chase the credit controller of the creditor and request them to remove it, your exIP will not entertain doing any of this work.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues

kallis3

User avatar
Forum Expert
Posts: 74137
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Thu Feb 22, 2018 1:21 pm
It will remain on your record for six years. Keep an eye on your credit accounts.
http://kallis3.blogs.iva.co.uk/
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.

Ryan

User avatar
Industry Expert
Posts: 1003
Joined: Thu Nov 03, 2011 10:03 pm
Location: United Kingdom

Post by Ryan » Thu Feb 22, 2018 1:34 pm
Did you actually receive a Completion Certificate? Have you also checked the Insolvency Register?

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

Foggy

User avatar
Forum Expert
Posts: 28141
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Thu Feb 22, 2018 5:18 pm
claire111 wrote:
My IVA has been completed a year ago yet it still states it current on my credit file, how do i remove it? no-one seems to be able to give me clear instructions on how to do it

Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/
6 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”