Thanks Merlin, and congratulations on your completion too!! There's light at the end of the tunnel
I also spoke with Nationwide (who I bank with) and asked them what they ask on a mortgage application form and they ask have you entered into an IVA in the last 6 years which I could legitimately say no to once the IVA has dropped off after 6 years. I suppose the trouble I may encounter is my file may then be clean but lack of credit history could still make me a no-no to mortgage lenders. Guess building up credit for a while would be the way to go
Make sure your bank details, mortgage (if you have one) and mobile phone contract are up to date. Get a Vanquis credit card (use it for fuel and pay it off every month) and it will build up your credit rating.
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 managed to get a Vanquis card and found that really good, very easy to keep track. I now have a LLoyds avois so I am able to gain air miles. However I shall never get myself in a mess again so I make sure I pay it off each month! My credit rating is quite good now I use Clearscore which give you a free report each month. It has been over 7 years since the start of my IVA which ended last year.
