It's also well worth bearing in mind that:
The credit 'score' the CRA gives you is COMPLETELY IRRELEVANT. It is simply a money-making scheme for them.
DDs will have no impact either positive or negative on your credit file as they are not recorded - the *account status* of your account may be if, for example, your utility provider/mobile phone provider reports to the particular CRA in question, but your DD will not in itself have any effect.
Each individual lender applies their own lending criteria, and if you don't fit their profile (level of income, debt-earnings ratio, type of debt, number of accounts held, payment history, time in employment, time at address, etc etc) they won't lend to you, whether your 'score' is 9 or 999.
Equally, a lender whose profile you fit exactly will probably lend to you whatever your 'score' from Experian/Equifax/CallCredit.
What you can be sure of, however, is that excluding certain payday lenders/credit unions/Mr. Breakyerlegs no-one will lend you an unsecured penny at a sensible rate with an IVA or BR on file.
(I know many people will disagree, but I have worked on the computer systems behind some of this logic in the past, so *I* know it's true)
IVA Completed!
Final payment made November 2011.
CoC received 12/10/12.
