Appreciate the trail guys, but please don't detract from the point. I am genuinely concerned about my financial future ... couldn't really care less about what happens to criminal records to be honest. I've apparently got a 'good' credit score, as per Experian CreditExpert. 919 apparently. Is this w...

Sorry for sounding a bit thick ... but are we talking 6 years from the start or the end of the IVA ??

It's nice to speak to human beings rather than some diddlo on the phone who insists on bamboozling me with finance jargon.

Have just come out of an IVA, have my confirmation letter from my agency that all creditors have been paid and the arrangement has been formally closed ... how long can I expect to remain blacklisted?