Thanks foggy! And what are your thoughts on whether I can apply for the vanquis card to kick start the credit building in a positive way? (Before I have the CC) xx

Hiya, I am waiting on my CC too and it’s only been two weeks so far 😩... lol I was quoted 6-8 weeks though. So what does everyone use in regards to checking credit files? I have clearscore but it just says accounts and default, nothing to do with amounts? Also I want to start building my credit scor...

Hi all! Just thought I would let you all know that my f&f offer got accepted today and I’m over the moon!!

Thank you foggy! I’m beyond nervous as I just want a fresh start and have this behind me

The IP report did say that the pence per pound was increased by my offer. So I’m crossing my fingers that they say yes! Xx

Hi all, I have been reading up on all posts for some time and have found all your advice so incredibly useful! So thank you from afar! I started my IVA in January last year. I have no assets. With everything the past year has brought us, I am proud I was able to succeed in my first year of the IVA! ...