It will be 6 years in August so hopefully it will drop of my credit file, my question is will my credit score go back to 0 or is it still worth my while getting my score as high as possible prior to the 6 year anniversary I just want the best possible chance in order to move house sell and buy again.
When your IVA drops off and those defaults, your credit history will be effectively blank and most lenders will have a guess at why, So, you need to do two things: 1) build up a history and 2) approach the right lenders.
Might I suggest a chat with Ryan and / or Shaun. They are two whole of market brokers who post on here and have helped many ex-IVA'ers get mortgages at "High Street Rates".
Their details can be gleaned from their member profiles:
Also have a read here for credit clean up info: https://www.iva.co.uk/what-does-an-iva- ... dit-record
Who is onlineUsers browsing this forum: No registered users and 20 guests
Ask the IVA Experts a QuestionSimply complete form and you will get an answer from our IVA Experts (multiple replies within an hour *)
* Any use of this forum is conditional on you having read and agreed to our terms and conditions.
* If you enter your phone number, IVA.com Group Limited will give you a courtesy call to ensure that your question has been answered.
* The question will be posted on our forum, we will email you the location