I have recently ended a relationship and he owns the house me and my children live in I need to move house and I can’t because I can’t get credit. If my dad pays my iva will it then drop off my file and will I get good credit again so I can start a normal life
If the IVA is paid up your credit score will improve, but only by a very little. As Steve says yhe IVA will show on the credit files for 6 years from the start and, until that has gone, your credit rating will remain very low.
Why do you need credit ? Again, as Steve has suggested, could your dad help with deposits and advance rent, maybe be a guarantor ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk