Guides
What happens when your IVA, DRO, DMP or Trust Deed ends
What changes the day your solution ends, what to check, and what to do next, with a guide for each solution.
Free to use, no obligation. The plan itself won't affect your credit score. It is not advice, and acceptance is never guaranteed.
Written and reviewed by the AfterMy team · Last reviewed October 2026
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What changes when your debt solution ends?
The debts in your solution are settled or written off, and your payments to the solution stop.
Your credit file should then show the solution as finished. After a DRO, the debts show as part of the DRO and won't show as paid or settled; that is normal.
What should you check when your solution ends?
A few checks now save trouble later.
- Your paperwork: a completion certificate or confirmation of your discharge date, where your solution has one.
- Your credit file: the solution shown as finished and its debts as settled (after a DRO, the debts show as part of the DRO instead, which is normal).
- Your details: your electoral roll entry and address history up to date.
What should you do next?
Start with the basics lenders look at: an accurate credit file, the electoral roll, on-time payments on everything you have, and what you can afford. Check your eligibility before you apply for anything.
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
After an IVA
1 guideAfter a DRO
1 guideFinished your debt solution? Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Start your Comeback PlanAfter a DMP
1 guideAfter a Trust Deed
1 guideQuestions
Frequently asked questions
Does the marker leave my file when my solution ends?
Not straight away. An IVA, DRO or Trust Deed marker stays for six years from the date the solution started, or until it ends if that is later. Your Comeback Plan works out the date for you. A DMP has no single marker: each debt clears on its own.
What if an account still shows as open after my solution ends?
Ask the credit reference agency to correct it. Your completion certificate or confirmation of your discharge date helps show what should be recorded.
Is anything different when a DMP ends?
A DMP is not insolvency, so there's no single marker: each debt carries its own and clears on its own date.
Ready when you are
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Start your Comeback PlanFree to use, no obligation. The plan itself won't affect your credit score.