IVA started over 6 years ago but still showing on credit report

maxzorin_2

Good Afternoon,

My IVA started end October 2005 and finished April 2011.

I have been working on cleaning up my file & all defaults have now eventually dropped off - including one which was incorrectly dated after the IVA commencement date!

Anyway I thought I would check my file today with credit expert & although there are no defaults or adverse account info, it is still showing the fact I entered into an IVA in 2005.

It is showing as 'danger' under the section 'You have an outstanding public record'. And when you click that it expands & shows the info.

Surely this is incorrect & shouldn't be showing as its over 6 years ago?

I obviosuly need to get this removed as it will affect my ability to get good deals on finance in the future, can anyone advise who I need to contact, my IP or is it the credit agencies themselves?

Thanks in advance!

FoggyBrain_2

HI. First of all check the insolvency register to make sure that you have been removed from that. If not your IP should remind them ! If you have been removed from the register send the credit reference agency a copy of your completion certificate and request that the entries be removed within 28 days.

Have you checked with all threee agencies ?

maxzorin_2

Thanks Foggybrain, I'm not on the register any more. I only checked the main 2 agencies & its on both of them.

I will do as u suggest & send the completion certificate to all 3, don't know why I didn't think of that myself.

It would be helpful if IP's suggested things like this so you can get on with your life!