www.iva.co.uk

Hi - Our IVA finished in September 2014 (5 Yrs) and I have 2 questions:

1st - We have just gotten access to our credit files to see where we stand. My husbands credit file looks quite good, a score of 466 (above national average) and all defaults have been settled. Obviously the IVA stays on file until 6 yrs from the start of the IVA. With this credit score what is his chances of getting decent credit for a new car? Could we go to a high street lender?

2nd - my credit file does not look so good, a score of 326! Two of my credit agreements that were in the IVA are showing as defaults. Should they have been settled by now and if so how do I go about getting them settled?

Hi, here is a link to what I consider a very good help in what to do after your IVA finishes I personally used it. http://pjgrecovery.com/clean-up-credit-rating.asp

As for the loan with the IVA still on file you will find it difficult but once the IVA has dropped off hopefully much easier, I managed to secure a car loan with Barclays despite them being one of my creditors!