Finished your IVA with Debt Movement? Here's what's next.

How to contact Debt Movement about your IVA

Debt Movement keeps separate phone numbers and email addresses for new enquiries and for people it already looks after, so use the existing-customer routes. It also handles IVAs that began with Aperture Debt Solutions.

Getting your Debt Movement completion certificate

Debt Movement's FAQs say your final report should be with you within 3 months of your last payment. If you are waiting for confirmation that your IVA has completed, email Clientservices@debtmovement.co.uk with your IVA reference. Ask in writing and look yourself up on the Individual Insolvency Register to confirm the IVA is recorded as completed.

Checking your credit file and the register

Once your Debt Movement 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 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.