I am one year away from finishing my IVA accourding to Grant Thornton.
I am wondering what should I be doing now to start repairing my credit rating (as I'd like to buy a house in the next 3-4 years) and also, how long does it take before I am out of the 'black list' and I am considered 'worthy' again?
A record of your IVA will be off your credit file six years from the start of your IVA.
Personally I would leave your file alone and let the six year rule clear all adverse entries.
Do check though for any companies that have defaulted you months after the start of your IVA and challenge these as they sit on your file for six years and will make it difficult obtaining credit
Congratulations from me as well for getting this far.
Brilliant advice from Andy, and good luck for the remainder of your IVA.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk