Your fiancee's IVA will be on her record for six years from the date of IVA approval. She will then need to make sure that any defaults registered after the date of approval have been removed.
You shouldn't be penalised after everything has dropped off, but she is going to have to build up her credit rating again so it may be a few years before you can go for a joint mortgage.
is it worth my while to pay off the iva earlier for her, so can start that rebuilding process now? she owes just under £4500 - i havent got that, got about £3300 saved for a new car!
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