Both husband and I are now discharged from bankruptcy although hubby still paying IPA to MB. Two questions really, we've had a few changes to our incomings/outgoings lately but they seem to cancel each other out so not really any better off, do we need to inform anyone of this? Also, we'd like to start taking steps to improve our credit rating (I know the BR will remain on report for 6 years) and wonedered how to tackle this.