Hi til
firstly congratulations on getting so far ; really well done
Been there and worn the t-shirt; ive had exactly the same scenario as you, albeit i got my CC 14 months ago
You should find your IVA will drop off your credit file once the CC has been recieved and the Official Reciever has also removed the IVA from their records. Now the only stumbling block to this could be if you have any defaults whereby the dates are incorrect; however, as it could take a few months to get your CC , if you did have any incorrect dates , they could have taken care of themselves.
A few months ago I had to borrow £3100 for a new boiler ( ouch , feel my pain !! ). I had almost 6 years of my IVA living on a budget that was very tight and the IVA really taught me the value of money. Its my opinion, that theres nothing wrong with borrowing the money for such a crucial reason, even if its soon after your Cc certificate.Im not lecturing, but i can say in my case, having been stoney broke during my IVA, I have learned how to mange my money now, as opposed to living off credit as i was pre iva.
Word of advice though; before you even consider an application , check your creditfile , i would suggest with checkmyfile.com; for a modest monthly fee , this shows you all 3 CRAs files on you. this way you can see if all the defaults and record of your IVA have dissapeared. If not , you wont be approved and a record of rejection will then remin on your credit file for some time to come, for any other lender to see .
2nd bit of advice ; one of the CRAs & i cant remember which one, have a nasty habit of of noting your IVA has been completed on a Notice Of Correction - if this happens contact the relevent CRA and instruct them to remove this ( if it remains , it means any credit application defaults to a referral and then they see you have had an IVA & your application will be rejected outright )
Forgive my rather long winded reply , but if you follow my suggestions , then when you are ready to borrow money for these key repairs , your application will be approved i would have thought.
Please feel free to post any questions you may have regarding what I have written in this post
Best wishes and good luck , you are not long now to being free
Last payment made April 2012
Certificate received 1st Nov 2012