Hopefully this will soon all be over. It has been hard but I have learnt. I have been without credit for over 5 years but one day I would like a mortgage and am hoping that my credit rating will help me.

Thank you all for your help I will wait to see if default then drops off the credit report. Once the default drops off will my credit rating improve? The only credit I have is my mobile phone contract which is paid for every month by dd.

IVA started in June 2008 so I will write to data controller requesting that the default date be changed as it ihas been recorded 6 months later. Many thanks.

Looks like date of default was registered on 6/12/2008 so this December would be 6 years. P

Apologies previous post was meant to say that IVA finished June 2013 not June 2014. Completion statement received jan 2014.

My IVA completed June 2014 and I received my completion statement January 2014. According to my credit report all debts have fallen off aside from redcats which is listed as a default. I will send through completion statement to them but should this default still be registered? Many thanks.