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  • Credit Reports

You can credit check yourself using the three main credit reference agencies. These are Experian, Equifax and TransUnion.

These companies will provide you with your current credit report. It is probably best to wait a couple of months following the completion of your IVA to ensure that your creditors have updated their own internal records as well as external records as this can take some time.

You should check that the latest date of any default registered is no later than the date of the approval of your IVA. If you notice any defaults incorrectly dated you can use our template letter included with this information leaflet to notify the Data Controller of that creditor of the incorrect information registered.

You can find details of the Data Controller by clicking on or visiting the following website link:

Please note that your IVA will show on your credit file for six years from the date it was approved, even if you have completed your IVA early.

In order to establish if a lender would consider your application, you’ll need to know what they are looking at. Every lender is different in who they use to reference an application – some use Experian, some Equifax and some TransUnion. As these agencies don’t always share their information they are often different, and it can be that you are declined because of something on a report you don’t know about.

We would suggest using Checkmyfile as they supply one report covering Experian, Equifax and TransUnion. Why not sign up for your free trial with Checkmyfile now? It is free for the first 30 days and then it’s £14.99 per month thereafter. However, you can cancel at any time! Click on the logo below to get started.