In addition to getting your CC and coming off the register you will need to wait until 6 years has passed since the start.
You might find this quick video I made about cleaning up your credit record useful:
Noddle and Clearscore are also free credit agencies to consider using:
We completed on August 4th and I'm still on there.
FWIW our IVA was over six and a bit years (81 months I think it was). So all defaults dropped off our records within a few days of completion.
Clearscore, Noddle Equifax etc. update monthly so this can also take a few weeks.
This morning my Clearscore rating jumped by 105 points to a whopping 493.
I'm waiting for the Insolvency Register to update before I get a new car though.
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