IVA began Jan 2013 discharged in January 2016 (certificate issued and received).
Does the 12 months cooling off period begin from discharge date or from IVA end date? in which case when will this drop off the Clearscore report??
Your credit rating will be shot until next year. I've not heard of a 12 month cooling off period.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
There is no "cooling off period". The year to which you refer is the usual period between the end of a standard 5 year IVA and the 6th anniversary when it drops off your records (providing the completion certificate has been issued by then). If you have a 6 year IVA or an extension due to equity release it will drop off when the certificate is issued (as this will be after the 6 years it would stay on record once completed) .
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk