Hi there I hope someone might be able to help. I know Personal Insolvency is a very new area and this seems to be causing me some major issues when trying to get answers. I will try to make this story as short as possible. Purchased a home with my *then* partner in 2007 for 315k. Unfortunately we split up in 2008, and neither could afford to keep the home ourselves and so we started by renting it out, but as rental market was crashing also, we had to supplement the mortgage payments along with the rent, which each trying to pay rent in other properties ourselves. It was unsustainable and the mortgage fell behind despite my best efforts to sustain it. Queue head in the sand for few years, fearful of everything, until I found what I thought was the solution in 2015. I decided on the opinion of a financial advisor to opt for a personal insolvency arrangement. As part of this deal, both myself and my ex agreed to hand over the property to the bank which they would put up for sale, I would pay a sum of money to the bank (a once off lump sum), and have just a 3 month personal insolvency arrangement. I was declared free of debt and insolvency arrangement in August 2016. Last year I applied for a copy of my credit report and it looked as if Ulster Bank were still reporting missed payments every month on my mortgage. I queried this with the bank and was passed from pillar to post, but eventually established it might be because they hadnt finalised the sale of my old property yet. As recently as this December, they had another excuse as to why my account wasnt closed off - they said they never recieved "completion letters" from my PIP. I contacted my PIP immediately who was able to prove these completion letters were in fact sent in 2016, but he sent them again immediately and cc'd me in the email, which was also sent to WatchPortfolio Management. My query is, does anyone know how or if I can go about sorting out my ICB report? Surely if I was discharged as such in 2016 and have paperwork to prove that, the timer should run from then and my credit report should clear by 2021? My second query is as follows and is the most important one. I am now happily married. My husband has a good income and potentially could secure a small mortgage on his income alone. He has never owned a property. However, I am majorly concerned I will hold him back and be a huge issue in all this. If the banks know he is married which he will have to declare, wont they refuse him based on my ICB check? We are in a desperate scenario. Currently in Cork(city and county) there are less than 24 houses for rent for 1500 or under - and they are all what I consider substandard, damp, miserable properties that have seen years of wear and tear, and some a long commute from our work. We are currently renting for close to 1500, but each rent increase or house move pushes us further and further out from achieving our deposit goals for a mortgage. We are not unreasonable people and dont expect or want a huge mortgage, as I said even if they would consider lending soley to my husband on his income he could expect to qualify for in and around 250k, which would be just about enough for us to purchase a small semi in Cork. Do you think we have any hope with my credit issue? Any advice?