Equifax query (post IVA)

raceylacey1972

Hi All,

Have just got my Experian report all sorted out, so I though I'd start with Equifax.

I have a few queries:-

On my report all entries are 'status satisfied' The 'date satisfied' on each entry varies from before my IVA start date to the end of last year. NONE of these dates are after my IVA completion date is this ok?

Also, there is no 'default date' on any of the entries is this how it is supposed to be? and the last question... on most of the entries there are figures in the 'default/delinquent balance' is this ok? Though looking on the 'credit file clean-up' sticky it does say there is a figure in there post clean up.

Sorry if this doesn't make any sense, but I'm really finding the Equifax report hard to understand.

Cheers

Experian_company_representative

The defaults need to have a default date because it's from this date that the entries are retained for six years, not the date satisfied. You should be able to find some guidance on Equifax credit reports on their website. The default dates should definitely pre-date the date of your IVA, if they were included in it. If any aren't you need to query them.

James