You need to keep an eye on your credit record to make sure that no defaults are showing after the date of IVA acceptance and at the end, once you have your completion letter and the IVA drops off at the end of six years from the start, you could apply for a credit card and make sure your bank accounts are up to date to start building up your credit rating again.
Register with Noddle and Clearscore (both free) to see how things are.
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
