How long does an IVA stay on my credit file?
An IVA will stay on your credit file for a period of six years, starting from the date that it was approved. It’ll be marked as ‘complete’ when you have settled the debt, but it’ll be visible for six years. During that time, your IVA will be visible to lenders. In addition, any debts that were included as part of your IVA may be included separately on your credit report.
After the IVA has gone from your credit report, some lenders will ask you during the application process whether or not you have a history of credit issues. In that case, you should always let them know.