Hi Ginger, yes am negative by around £8k which isn't ideal.

Hi All, Am 18 months in following the successful completion of my IVA and with my credit score now at an excellent level Im now into the final year of a fixed mortgage with Halifax. Having had the fixed mortgage for many years and paying next to nothing off the borrowed amount of £125k what options ...

Thanks for the link Foggy

Hi All, I've just logged in to check my Experian score and its rocketed up to 999 a rise of 338 points within the last week. Has this happened to anyone before as it's also showing that I have no delinquent accounts, I've roughly been clear of my IVA just over a year and assume they have dropped off...

Thanks Foggy will have a look at the above link, In fairness it's still early days following my completion and looking further into Experian I doubt I will pay £14.99 per month to see my report once my trial has finished.

Morning All, I have recently opened an Experian account to start improving my credit score following the completion of my IVA early last month, all creditors that were involved within my IVA are shown on the report and are pretty much up to date and closed off. Currently I have an active balance sho...

Thanks all

Think I will follow the Vanquis route and will move across to a better card once my rating improves over the coming months

Cheers Foggy for the quick reply, will look to apply and see what happens.

Morning All, I recently completed my IVA and have now been taken off the insolvency register etc I've looked at the Vanquis website and am not sure what option to apply for, a credit card with a small balance circa £500 would be ideal for me as I travel a lot with work and I use my current account w...

Does seem a long time when your less than half way through but soon flies once your over halfway

Thanks Foggy, feel that life will now begin again after 5 tough years financially.

Would also like to praise the support that you get on this site through all the members.

Well, 5 years have passed and am now in possession of my completion certificate. Amazed at how quickly this 60 month term has passed and would say to people to stick with it as every payment gets you closer to the finish line. I would like to thank PJG for all the effort put In early doors and to Cr...

Well done, always a good feeling once the weight is lifted

Thanks for the messages all