Will you always have to provide IVA completion certificate

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jacqueline870
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by jacqueline870 » Mon Oct 22, 2018 1:17 pm
if you have completed your iva will it get deleted from your credit record or will it always be there and would you have to always prove it by providing your certificates
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Lisa Thomas
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by Lisa Thomas » Mon Oct 22, 2018 1:37 pm
Your creditors should update their records accordingly once they have been told the IVA is complete and you have come off the register however this often doesn't happen or the records are not adjusted properly.

You may want to take steps to tidy it up yourself.

You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM

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

https://www.noddle.co.uk/
https://www.clearscore.com/
https://www.totallymoney.com/
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kallis3
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by kallis3 » Mon Oct 22, 2018 1:39 pm
It will be deleted once your six years are up, but always better to hang on to your completion in case.
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Foggy
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by Foggy » Mon Oct 22, 2018 1:42 pm
Always, always, always keep a copy of that certificate as you never know when the IVA might be brought up in the future. Although it drops off of your records at the credit reference agencies your former creditors might keep records of their own.
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MerlinL14
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by MerlinL14 » Mon Oct 22, 2018 3:09 pm
Since the end of my IVA and my credit file getting all pretty and positive I have never needed to provide my CC. However, I have 3 copies, one in the fire safe one in the Daughters house with other documents and one in my draw. You just never know!
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Ryan
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by Ryan » Mon Oct 22, 2018 3:13 pm
I think Merlin has the right idea.
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Foggy
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by Foggy » Mon Oct 22, 2018 4:25 pm
MerlinL14 wrote:
Since the end of my IVA and my credit file getting all pretty and positive I have never needed to provide my CC. However, I have 3 copies, one in the fire safe one in the Daughters house with other documents and one in my draw. You just never know!


I also have a scanned copy on several drives !
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