Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Help with credit scores, IVA's and Bankruptcy, someone in the know please? - I am getting really frustrated. In 2006 I went into an IVA but paid it off early in June last year. I am completely clear of all debt but every time I try and apply for anything I get declined because my credit file says I am bankrupt. How can I make my credit file tell the truth?!! -