www.iva.co.uk

Hi my IVA is officially over! It ended early via F&F. My question can I start taking steps to rebuild my credit file or will I have to wait until the 6 years is up?

No, you do not have to wait. Some things will take the ordaibed 6 years from the start, but you can make sure those ducks are ready in a row. Checkinf default dates and getting them corrected if need be --- have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record and also tjhe last few entries on my blog ( link in my signature block ).

You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Noddle, Clearscore and Totally Money are also free credit agencies to consider using:

https://www.noddle.co.uk/
https://www.clearscore.com/
https://www.totallymoney.com/

Also Credit Karma which is also free.