6.5 years after I first made contact with stepchange and its all over. I have my completion certificate, defaults and CCJ have gone from the 3 credit reference agencies and Im squeeky clean again.

What a relief.

For anyone starting out on the journey - it is all worth it in the end.

Your completion will be done as soon as your offer is accepted and all finishing paperwork is done. Your credit record will still be shot until the full six years is done regardless of the fact that you have finished early. Thanks - do you mean the full 7 years? My 6 year original IVA is up in 2 mo...

Im in the fortunate position of being able to make a full and final settlement offer thanks to a family member. My current situation is: Original IVA for 6 years not teh standard 5 due to NRAM mortgage Original 6 year IVA final payment due on 1st October 2023 Further 12 months added to the original ...