www.iva.co.uk

Hi

I have my completion certificate and credit files are clear, still on register until end of September (hopefully). I looked at Totallymoney credit file and it suggested likely credit cards I would be accepted for. Decided to apply for M&S but was turned down, letter explaining why would come in the post. Received two letters today one as promised but the other saying as I already had an active account if I required a new card to ring them? ( I did have an M&S account which formed part of my IVA). I have since decided that I don't need a credit card and wonder why I need to improve my credit rating as I will retire next year. I am just curious to know if anyone else has had a response like this?

If you are still on the register they might have seen that, albeit marked completed. And, it could also take creditors a while to clear / close old accounts that were in the IVA.
I wanted a credit card "just because I could", even though, over 6 years on, I still don't actually use it (buy some petrol now and again and pay it off in full, just for the 'history'). I went for Vanquis, a card designed for credit re-building. After those 6 years they have just reduced my interest (which is academic) from 39.9% to 19.9%.

I, too, am now retired, although I took it early, so 'real' credit is out of my reach anyway --- but just wanted to feel 'normal' again.

Have to say Foggy, we are both retired and have normal credit for my stairlift and our adjustable bed.

Sun Sep 15, 2019 9:52 amkallis3 wrote:

Have to say Foggy, we are both retired and have normal credit for my stairlift and our adjustable bed.

To be honest I am too frightened to even try ... "credit averse"

If we didn't have those I'd end up falling out of bed and down the stairs!