<r>How to you recover credit score wise from an IVA? I’ve finished my IVA earlier this year by offering a full and final settlement. I entered my IVA 1 year previously. All my accounts are still in default and some have outstanding balances attached which I am trying to work through and get cleared....

<r>I have been paying into an IVA for 7 months. This is my own debt and completely separate and prior to me being married to my husband so he’s income is included within the budget but his name etc isn’t included as my debt. Anyway my husband has proposed to get a loan out for £5000 which is just un...