This obviously assumes you will pay the balance off every month in full and not get into the same mess as we all did on here!! (before we did the right thing and sorted our money problems out)
http://www.moneysupermarket.com/credit- ... t-builder/
However, i'm not an advisor so i cant take any responsibility for anytihng that happens if you do/don't follow my advice. It's only a personal opinion. I've known a few of my friends accepted for it post iva which is the ONLY basis i'm recommending it.
Your bank account being up to date will help.
Have you checked your credit rating with Experian, Equifax and Call Credit? Might be an idea to do that to see what it says.
In the meantime, I know vodafone report to the cra's every month that my payments are on time that will help in starting to build a good history in the meantime.
Your bank account should also report to the CRA which will help, as should a mortgage if you have one.
Tiny - have you checked to see that any defaults registered after the date of IVA approval have been removed? If not, you need to write to the creditors to get them removed. That will help your credit rating.
I thought they just had to amend the defaults to the correct date & wouldn't actually remove them? Only removed once the 6 years is up?
All mine bar 1 are the correct date (working on that 1) & debts marked satisfied, but my credit rating is still "poor" so I'm not convinced it helps!
I guess until the defaults & IVA actually drop off my file in April (yipee) I will still be deemed "poor"!
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