Thanks for the replies. Sorry, maybe I should have been more specific. What is the legal requirement of disclosing a completed IVA. If it's no longer on your credit record do you have a legal obligation to declare. If so, how long for? Would credit companies for example, trawl though court records e...

My IVA has completed in June, since it's six years (additional year added as equity in house)since inception it's now no longer on my credit record. Do I have to declare that I have had an IVA in mortgage quotes etc?