Hi all, i was a regulare in here during my 5 year IVA and found it very helpful. I have a question, my IVA was finished in july 2013. I still have a pretty rubbish credit score. My question is that my wife has a grade A bank account as far as her credit goes. Now if I add my name to this account to make it joint, will this have a negative effect on the rating of it now and if we need any form of credit in th future, even though my credit record now shows no evidence of my IVA. Any advice most appreciated,. thank you
If your credit record is back to zero then you should be ok.
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
Just wondering why you have a rubbish credit score if your IVA has disappeared?
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
I've just applied for a vanquis card to help rebuild my credit. I hope I've done the right thing and this doesn't have a negative impact. Anyone have any experience of this.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by paulaj8824
I've just applied for a vanquis card to help rebuild my credit. I hope I've done the right thing and this doesn't have a negative impact. Anyone have any experience of this.
Mine has improved since so I don't think it's such a bad idea
*IVA started Sept 2010
*Last Payment Taken August 2015
*Completion Certificate Issued November 2015
