If you are thinking of an IVA, I recommend that you take professional advice. Visit www.iva.com for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice as to all the options open to you and the best way forward for your circumstances.
You will then have to build your record up again. Keeping your bank account up to date, mortgage, mobile phone contracts, they all help.
Pelder, I'm afraid I don't share your enthusiasm for Martin Lewis at all. He doesn't rate IVA's and some of the information on his site has been noted as being incorrect.
I use the free Annual Credit Report and think it is very good. OK, it's only updated once a year but it doesn't really matter when you are in an IVA.
Worth remembering that many people find themselves with unaffordable debts because of a change in circumstances, job loss, illness, marriage failure, business failure. There are not many that have simply borrowed because they hadn't considered how they would afford repayments
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