Individual Insolvency Register (IIR)

individual insolvency registerThe Individual Insolvency Register contains details of people who have broken the terms of their bankruptcy or Debt Relief Order.

It will also show if anyone has been given a penalty, called a Bankruptcy Restrictions Order (BRO) or Undertaking (BRU) or a Debt Relief Restrictions Order (DRRO) or Undertaking (DRRU)

If you enter into an individual voluntary arrangement (IVA), the details will be recorded on the Personal Insolvency Register. The Insolvency Register contains information about all current individual voluntary arrangements.

The details about an IVA will stay on the register for three months after the IVA has been completed or terminated.

What is the Individual Insolvency Register?

The Individual Insolvency Register is an electronic database of individuals that have untaken some form of insolvency. The insolvency Service are required by statute to maintain these registers, keep them up to date and make them available for public inspection.

The IIR contains details of:

  • bankruptcies that are current or have ended in the last 3 months
  • debt relief orders that are current or have ended in the last 3 months
  • current individual voluntary arrangements (IVAs) and Fast-Track voluntary arrangements (FTVAs), including those that have ended in the last 3 months
  • current bankruptcy restrictions orders or undertakings (BROs/BRUs) and interim bankruptcy restrictions orders (iBROs)
  • current debt relief restrictions orders or undertakings (DRROs/DRRUs) and interim debt relief restrictions orders (iDRROs)

What information will appear on the register?

If you enter into an IVA, the following personal information will appear on the Individual Insolvency Register:

  • Your name
  • Your last known address
  • Your date of birth
  • Your gender
  • The date the IVA was approved
  • Name of any appointed insolvency practitioner

The following is a guide as to how long do you stay on the insolvency register once your period of insolvency has ended.


If you are made bankrupt, your details will remain on the bankruptcy and insolvency register for three months after you are ‘discharged’. This is when you are no longer responsible for debts you accrued before going bankrupt and are relieved from restrictions enforced during the bankruptcy period. DRO and IVA records are kept on the register for up to three months after they are completed or revoked.

Bankruptcy stays on the IIR for 3 months after the date of discharge. If bankruptcy is rescinded or cancelled on the grounds that it ought not to have been made, the record of the bankruptcy is removed 28 days after the Secretary of State receives notice of the order If bankruptcy is cancelled because the debts have been paid in full or creditors have approved an IVA, the record of he bankruptcy stays on the IIR for 3 months after the Secretary of State receives notice of the order.

Individual voluntary arrangements

Arrangements stay on the IVA register for a period of 3 months after the Secretary of State receives notice that the arrangement has been revoked, fully implemented or terminated. In the case of an IVA or DRO being revoked, this means the terms of the agreement were breached, which could be because of a change in finances or not cooperating with the official receiver. The agreement, and any protections or debt relief it offers, will be terminated.

If conditions are met for the duration of the agreement then it will be successfully completed and in the case of an IVA, a certificate of completion will be issued.

Debt relief restrictions orders 

Orders remain on the IIR until the date stipulated in the court order or undertaking. The entry is removed earlier upon receipt of notice that the order has ceased to have effect.

Does being on the insolvency register affect a credit report?

Yes being on the IIR does show on your credit report and lender can see that you have entered into some form of insolvency.

Equifax Limited states that lenders use the information in your credit report to judge whether you are likely to keep up repayments on a loan and, therefore, if they should offer you credit. IVAs, DROs and bankruptcy will be listed on your credit report for six years after the point at which they begin, or until they are completed if that is not within six years. This sends a serious signal to potential lenders that you have had trouble paying your debts and that there may be an increased risk of lending to you.

Although insolvency solutions can leave a lasting effect on your credit report, it may be the case that they are the best alternative at the time. It is possible, through responsible borrowing and making repayments, to rebuild your credit history over time.


Who can see the insolvency register?

Anyone can see the insolvency register as it is online. It is highly unlikely that anyone except your creditors will search it.

How long do you stay on the insolvency register

3 month, is how long you will stay on the insolvency register once you have successfully completed your IVA or your trustee has released you from Bankruptcy.

Steve Jones Profile
Insolvency & Restructuring Expert at Business Insolvency Helpline

With over three decades of experience in the business and turnaround sector, Steve Jones is one of the founders of Business Insolvency Helpline. With specialist knowledge of Insolvency, Liquidations, Administration, Pre-packs, CVA, MVL, Restructuring Advice and Company investment.