Credit File

j66gib

I had an IVA terminated in 2008 which was still showing on my credit file as it was still on the Insolvency Register. The register was amended yesterday, do you know how long it will take for this to be deleted from my credit file? It was coming up on a credit check from an estate agent with whom I am trying to rent a property through. Thanks.

Experian_company_representative

Hi j66gib

j66gib wrote: »

I had an IVA terminated in 2008 which was still showing on my credit file as it was still on the Insolvency Register. The register was amended yesterday, do you know how long it will take for this to be deleted from my credit file? It was coming up on a credit check from an estate agent with whom I am trying to rent a property through. Thanks.

The Insolvency Service should tell your CRA (Credit Reference Agency) about the completion but if you’d want to send a confirmation of this you can do, as your CRA can check and confirm this for you.

The IVA will be marked as completed so that anyone searching your report will know it has ended. It will stay on your credit report for six years from the IVA start date.

You may also want to check to make sure that any debts included in your IVA and listed separately on your report are dated on or before the IVA start date and no longer show as outstanding.

If there is any that need updating, you may wish to speak to your CRA directly as they can help you liaise with the lenders in question.

If you think that explaining on your report the circumstances that led you getting into difficulties in the first place might help you, send us and the other credit reference agencies a notice of correction.

I hope this helps, best of luck when speaking to your estate agent when trying to rent a property.

James Jarvis