We have received the certificate and are going to be applying to the credit agencies for defaults to be cleared off the credit report etc. However three years ago we had to default on the mortgage and sold with negative equity which was added to the IVA. Now the IVA is over will those defaults stay on fill for another 3 years or will they go as included in the IVA?
Perhaps you need to look at getting advice from a mortgage broker used to dealing with IVA/Defaults etc
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