Build Credit after F&F???

2 posts Page 1 of 1


Posts: 1
Joined: Wed Jun 24, 2020 5:43 am

Post by naygirl911 » Wed Jun 24, 2020 5:49 am

My Full & Final offer was accepted in March 2020, but my IVA's 6 year duration does not end until July 2022.

Is it possible for me to begin building my credit score now? or wait until July 2022?

I know the points won't increase whilst i'm still on IVA's register, but was hoping (if possible) to work on my credit score now so that the score would jump up after the end of 6 years. Is it doable?


User avatar
Forum Expert
Posts: 31792
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Wed Jun 24, 2020 7:57 am
You can start to build a history of 'good financial behavior', first mking sure that your credit files are as healthy as they can be and that defaults are correctly registered and dated, so they drop off at the end of the 6 years too. Have a read here: ... dit-record
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
2 posts Page 1 of 1
Return to “credit”