Thanks all for your kind words. The forum has been an invaluable place to look for advice and view other peoples experiences. Most importantly it gives you that warm feeling that your not alone in this and that were not bad people really. I think I was lucky completing early the fact that I was goin...

Thanks all for your replies, will wait until I get back to UK and sort out any defaults on the credit records which shouldn't be there anymore. I can start the process of building it back up to a reasonable score again. Shame though, I don't really need any credit now and am used to having money to ...

Melanie, Andy,

Thank you for your reply, My IVA finished some 12 months early so is it 12 months from the day it was settled that my credit file will be clear or 12 months after my IVA would have originally have been completed e.g 6 years?

I have completed by IVA early back in December 09 and have received my completion certificates for both myself and my wife. I then went abroad on work for 6 months with my family and am returning to UK shortly. I can now start to monitor our credit record and it as I was unable to do this via the cr...

I have completed my IVA early with a succesful full and final settlement. I have received my certificate of compliance and my final statement. How long until my name is removed from the insolvency register and what is the best way to now repair my credit record. Any help and advice greatly appreciat...