Thanks Andy and Pingu, I'm most certainly going to take your advice and hold out until Jan 2013. Pingu hearing that information has made me feel very positive about it all. Thanks

Thanks Guys, I cannot believe how helpful this site is, I just wish I found you all 6 years ago! I'm going to wait until January 2013 and see if it still exists on my credit file, that way I know I am 6 years post the start of my IVA and that way I can go to them and hopefully they can remove all ex...

Hi guys, I had an IVA in 2006 and satisfied the agreement in August 2011. It was originally due to end April 2012 ( 3 months added in order for me to keep my car). Last week I decided to purchase a statutory £2 credit report from Equifax to see what my credit file is currently looking like, only to ...