Thanks for all the advice. Ian

On another note does anyone know what utility bills get reported to CRA's? This may help improve my rating. My partner has all these in her name.

Thanks. I will seek his advice.

I don't see a problem too. A guarantor is as good as their credit and I am sure you will be fine. Good luck

Thank Kallis. I keep coming onto the forum and reading posts. It almost is an education and makes you feel like a debt advisor lol. I know from posts Vanquis help but wondered how long you had to wait before say my bank would consider giving a credit card. The interest rate should be better. Not see...

Hi all this is an excellent forum and i have used it lots and lots of times. Truly inspirational. It's now gone 6 years since IVA journey began and I have been having an affair with all 3 credit reference agencies ever since. Only Experian kept my IVA on record after 6 year point. However I joined t...

Interesting as anyone else got a catalogue book??? If so which ones? Ta

I wonder if a catalogue book account would count on your credit rating.

Thanks for that

Lol that's scary.

GT was good to me as well. Finished over a year ago.

Thanks Flumpy. Cheers

I offered a Full and Final which was accepted. You need to phone your IVA company and speak to them and ask the question. Only they will know your circumstances and many know the creditors which will accept monies and at what level. Good luck.

Hi I finished my iva early -oct 2010 -however the Insolvency service did not inform the credit reference agencies until Jan 2011 ( original date when it was due to finish anyway). Question is the iva will stay on my file until Jan 2012 but how can I start rebuilding my credit rating. I have a bank a...

Do we know any good post IVA mortgage lenders ta