Thx Melanie, I have sent off letters to Experian (for a start) with copies of the Certificate of Completion, I have also re sent letters to the two copanies which insist on keeping an outstanding balance on the creidt rating. This could be interesting, because when I did this last year my one remain...

In 2003 I applied to my creditors for an IVA, in Jan 2004 the board met, and a majority of creditors accepted my offer. The IVA was then settled in full from the proceeds of a re mortgage. a) some creditors have left an outstanding balance on my credit report, my understanding on a IVA is that the d...