Hi, I entered an IVA September 2010, and completed it 4 years 9 months (June 2015), i'm no longer on the Insolvency register. My first question is, when will my 6 years lapse will it be June 2017 or September?
My second question is, I desperately need to buy a house as i'm in the forces and want to come out after having 2 children, it's getting difficult leaving them whilst going away 6 months of the year. When can I look at getting a joint mortgage with my husband (excellent credit) and we have saved £40K, i'm also eligible for the Forces Help to Buy scheme. Would appreciate some guidnce.
It is generally 6 years from date of acceptance for the credit files to begin repair. I'm not sure about the Help to Buy scheme but I'll keep this bumped up.
Generally it's a good idea to have those credit files squeaky clean in readiness for mortgage applications etc. I'll pop a couple of links on here that may help. All the best.
Hi Anna congratulations on completing your IVA.
It should come off your credit record in Sep 2016 but do consider having a look at your record and tidying it up.
Here's a link to a quick video I made on this, which you might find useful:
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
