Post IVA clean up

Robapalooza

Having had all my paperwork through after completing my IVA:jj
i have checked my credit files on experian and equifax and sure enough most entries have dropped off. 2 are however showing defaults after my original IVA start date 1 with Halifax 1 year after and another with ee 2 years after. As these were both part of the iva I would have thought the default dates would be the same as the missing records. However, I am not sure if they received any money as they were small amounts to begin with. Question is can I do anything to have these removed? My scores are quite good on experian 986 but I believe these 2 outstanding defaults have led to me having a current account application rejected.

Any help greatly appreciated

fermi

You would basically follow the same approach as the bankruptcy correction./cleanup here.

--> Credit Reference File Clean Up Post Bankruptcy

Exactly the same principles apply, but..

- Reference to bankruptcy is replaced by those terms appropriate to an IVA instead.

- Default date must be recorded as no later than the start date of your IVA.

- Any satisfaction date must be no later than the completion date of the IVA. This is not crucial though, as the default date is what controls when things drop off.

Thrugelmir

Robapalooza wrote: »

but I believe these 2 outstanding defaults have led to me having a current account application rejected.

Did you apply to a bank on whom you defaulted as part of the IVA?

Robapalooza

No, applied to my current bank