Hi Myles - get copies of you credit files from the 3 main agencies - and check to make sure the default date is the same date as your IVA started - if not request this be done - enclose a copy of your certificate. (it quicker to do this online £2.00 each)
You IVA will remain on file for 6 years.
You can start to help build a credit file - mobile phone contract/credit card (payoff monthly - Granite/Vanquis). A full bank account - run correctly - DONT use a previous bank that were one of your creditors - as they have to keep their own data.
It will take time to get mainstream credit - so time /patience - are essential
Last edited by ginger3232 on Sun Apr 17, 2011 1:12 pm, edited 1 time in total.
Strangely enough ginger, I still have my Barclays account and Barclaycard were one of my creditors. Once I finish my IVA it will go back to being my main account!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
