Credit File after IVA

FinallyFree

Hi,

I finished my IVA payments in May and I've just come off the insolvency register so contacted the relevent credit ref agencies to make sure my files are updated as it's past 7 years since the start of my IVA. Everything has come off my file except for a closed 02 account which I never defaulted on and my Lloyds bank account, again never been in debt with.

Equifax was fine no surprises and everything clear as with Clearscore/Noddle.

But after receiving my Experian passkey I've logged in to see that I have a linked address that I've never lived at in fact it's at the other end of the country so I've no idea whos it is. Also I have numerous idenity checks from AA, Shire Leasing (X3) and Barclays Bank all from June this year?!
I need to contact Experian as obviously I've not applied for anything so why am I being idenity checked? Does anyone have any insight and will this impact on my hard won clear credit history? Are Experian likely to remove them if I ask, as I'm sure they can't just randomly check on me can they?
Thanks for reading.

mwarby

Obviously you'll need to get the address links sorted, it should have very little if any effect (but saves confusion later)

The ID checks could be due to the IVA ending, when mine ended a few debts got sold on (not sure if any ID searches were done though). The ID check searches can only be seen by those making the checks and you, so it won't affect any appilcation