hi there guys...i have not posted for a long time because i have been waiting for today to check my experian credit file, expecting for my IVA to have dropped off my file, 6 years ago today it was added...its still there...i was under the impression it fell off 6 years to the day it was put on?? does it make any difference if it was a 6 year IVA paid off early? any advise on getting this removed would be great!!