Recd my cr file from Equifax. Noticed their is a Notice of Correction regarding an IVA i used to have. It gives the IVA date & then states the IVA was removed from the Insolvency Service records in Apr 2008, the correction was put on my file in Apr 2008 as well . My IVA started in Dec 2007 & it failed after 2 payments as i changed my mind & went BR instead a couple of months later.
The entry for the IVA has dropped off as the 6 year point was reached in Dec & most of the defaults have gone as well. The only adverse info left is the BR entry & a the last 2 defaults all this is due to fall off in March.
I get my files every year & thought this Notice of Correction was just part of the IVA entry & would drop off when the IVA did. Their is nothing like this on Noddle or Experian.
I phoned Equifax & they said only the file holder (me) could make a Notice of Correction to me file. I told her i was adamant i had never done this. She has told me to e-mail them explaining everything & they will remove it within 48 hours.
Has anybody else come across this & do Notices of Correction stay on for more than 6 years