It is going to take until the 6 year anniversary of the start date of your IVA for all defaults to drop off, some creditors may need a reminder. You will have to do all the leg work if they don't drop off, don't even think your IVA company will do any phoning around or sending mail. Keep your completion certificate safe, real safe. You may find you need to send copies to a few ex creditors. Once they all drop off you are still going to have a poor credit rating, solely because there will be no past history to gauge your financial conduct on. Non of my business and certainly not judging, but is there a specific reason for needing to borrow again? Reason I ask is that you will now have a huge chunk of disposable income now you are not paying your IVA, you may find that saving it even for a few months will result in a substantial lump of cash. Small borrowing has to be a good thing to get your credit history populated and have 'paid in full' listed on the reports. But I would be cautious of making a huge commitment unless you are real happy about it.