Dear all,
We are about to make our last IVA payment in Feb, due to a 12-month extension in lieu of equity and a 2-month payment break all of our defaults are now off our credit file as the defaults started in December 2009, we want to start rebuilding our credit score , do we need to wait until we get our CC and are off the insolvency register before applying for a credit card we can pay off each month or can we apply for one now?
Mark
Last edited by MARKRP on Thu Jan 21, 2016 7:09 pm, edited 1 time in total.
I'd wait until you get that letter but what you could try in the meantime is a soft search via Capital and they will tell you whether or not you are eligible for a card and it won't show up on your credit record.
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
