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When IVA finally removed from credit file, how long till credit rating improves?

Posted: Sat Jul 10, 2021 2:46 pm
by andrew984
Once my iva has been removed from my report which will be 6 years this November, how long should it take for my credit rating to improve again and will it ever return to excellent status?

Re: <t>When IVA finally removed from credit file, how long till credit rating improves?</t>

Posted: Sat Jul 10, 2021 3:47 pm
by kallis3
You can build it by making sure your normal payments are up to date. If you want to apply for credit make sure you do a soft search first so it doesn't show up on your credit record.

It will return to excellent, mine did.

Re: <t>When IVA finally removed from credit file, how long till credit rating improves?</t>

Posted: Sat Jul 10, 2021 4:10 pm
by Foggy
Have a read here for some background: https://www.iva.co.uk/what-does-an-iva- ... dit-record