Your IVA and defaults will drop off after six years once you have completed. and you should disappear off the Insolvency Register three months after that. Then you can start to rebuild your credit rating.
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