Finished your IVA with Aperture? Here's what's next.

Who handles your Aperture IVA and how to contact them

Debt Movement handles Aperture IVAs and holds their records, so contact Debt Movement rather than Aperture. Aperture post-IVA trusts are also with a trustee at Debt Movement, which has an email address for closed IVAs and post-IVA trusts.

Getting your Aperture completion certificate

Ask Debt Movement for your completion paperwork, quoting your IVA reference. Its FAQs say your final report should be with you within 3 months of your last payment. Make any request in writing and keep a copy, then check your entry on the Individual Insolvency Register shows the IVA as completed.

Checking your credit file and the register

Once your Aperture IVA has finished, check your credit file. Experian, Equifax and TransUnion must each give you your statutory credit report free of charge.

Look for the IVA recorded as completed and the accounts included in it updated to show it has ended. If anything is wrong, tell the agency: it must investigate and correct anything wrong, and your completion certificate is your evidence.

Search your name on the Individual Insolvency Register too. An IVA stays on your credit file for six years from the date it started, or until it ends if that is later.

Our guide, When does an IVA leave your credit file?, explains the date.

What's next: your Comeback Plan

With your IVA finished, the next step is your AfterMy Comeback Plan. Tell us the solution you finished, your key dates and your goals. It isn't an application, and the plan itself won't affect your credit score. AfterMy is not part of Aperture or Debt Movement: we're a credit broker, not a lender.

Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.