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With any kind of insolvency, be it Bankruptcy/IVA/DRO its always the date an arrangement starts that triggers the 6 year countdown to it been removed from your credit file.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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An IVA will be on your credit record EITHER for 6 years from the date the IVA started OR until it completes, whichever is the later.tony_cluedo said:
What about IVAs? Is that 6 years from date it was agreed? Or date it was completed?0
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