capital one also is persuing new post iva customers for credit builder credit cards.I had three offers.Binned. If the iva debt records are extinguished after the iva then they will only know whose who being on an iva if they keep track of a list of somekind. It just goes to show that the iva record ...

Check Equifax and Experian also.Check for consistency.Most of the time they are saying the same thing.Then keep to one to monitor like Noddle.(Call credit)Becoming more used by lenders. Creditfile cannot be gleaming with 6/10 score. Nationwide published an online guide last week that advises on gett...

CF scores need to be gotten right eventually after the iva.Lenders of course will assess applicants with their own additional input. My 2 year Iva completion anniversary is up.Last update, now Noddle shows my C rating as 5/5.Took two years to get this. A creditcard acceptance now would take a bar or...

19K on Gambling debts that's reasonably large given your income. Gambling perceived as problem....but only'when you lose and get into debt.' Gambling however...'not a problem...when you are winning like been blessed!'Keep you at it. Likewise smoking not a problem if it doesn't make you ill or give o...

Even when your insolvency record vanishes from any current source,and it does drop off and with 0% trace....you might be pleased to hear..... But you will be asked about it by your broker and bank on 99.9999% of home related loans? That is the illogical part of qualifying for a home loan with a clea...

The gambling house aways wins in the end.Only profesional poker gamblers make a career out of it. I wouldn't get too much into the psycho babble to explain your gambling....playing the lotto is gambling. Nick Lesson gambled £800,000 assets away that took surreal guts...He was a chancer and winner at...

Hahaha.....we all had our fun in having credit like there is no tomorrow.... Put an end to it now....10k debt is not a big deal.Preferably you have a debt management plan rather than any formal debt agreement with debt write offs. You are young so don't damage your credit future.IVA protects you and...

Waiting to sell the house to get better equity yield... but not been able to release it without selling....was the flaw logic here. Decisions made are right at the times it was made but the test is what happens further down the timeline..... Ips use other agencies to carry out tasks.. like employing...

The score is not a reflection of what the bank thinks about your credit worthiness.But I would not say it was nonsense Three credit cards....I would go with less. But you need a credit agency advisor from say experian to look into this. Sign up for a free trial and ask them for advice.Outside that w...

If your Iva firm cannot call you then why don't they write a letter or email...if it is important enough a letter should be send...on the record. Lazy iva firm that just can't be bother to write.No fault in your part.... If this was a banking issue the bank would be failing at the duty of care and d...

I received 19 pounds from my creditcard provider today as a reward having used my c card for only 6 months spending on average only 150 pounds on it per month.
A nice treat for been loyal.
Certainly welcomed....

You can have just 500 pounds on any brand of creditcard if you want.Vanquis are OK if you are in dmps or iva,if allowed.No problems. But after an iva it is back to the banking service norm and perks.Or likewise do you still use a basic bank acccount? The aquas and vanquis credit cards are there for ...

You want creditcard with perks ....not 'good' credit limit..so no thanks vanquis.

Storyboard..before iva,I had £11,000 credit on an egg green mastercard.Wish I hadn't....I clocked it.

Now just want cashback reward,long long 0 per cent purchase,maybe balance transfer.That excludes Vanquis card etc

Just make typhoo tea when they come.That will ease any intripidations between parties.

Spending on plastic makes you smile....happy.One month of free interest.etc Did anyone see anyone in Black Friday today looking depress in buying..buying....just too eager.Bet it went on plastic.Happy people. Just don't spend more than your paygrade... Don't let the iva experience cast a shadow on y...