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How do I update debt cleared by IVA?


Dear James,


I completed an individual voluntary arrangement (IVA) 18 months ago and have a certificate of completion. My credit report is still showing an outstanding balance to one of the companies included in the IVA. This is affecting my credit score, how can I get this amended? 

Karen, Cleethorpes


Dear Karen,

All the debts that were included in your completed IVA should have been updated to show that no money is now outstanding. To resolve the remaining account that has yet to be updated you can either go directly to that lender or you can ask us to contact them on your behalf. If you opt for the latter, the Experian online query form is probably the easiest way to raise a credit report dispute. It can help if you send us a copy of your IVA completion certificate with your query as lenders sometimes ask to see it, in which case you'll need to use the email address towards the bottom of the query form. The IVA and any debts linked to it should drop off your report completely after six years. Do make sure, though, that when this happens you have some positive credit history information to support any credit applications you make. These days a completely blank credit report can almost be as unhelpful as one containing late payments! Regularly using a bank account and a credit card and managing them well should certainly help you. (November 2013)

James Sign

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