I understand that after 6 years my credit file will be clean with no IVA and no defaults showing but was wondering whether creditors themselves would internally blacklist those who have defaulted with them so the 'clean' credit file will be worthless. Am thinking in terms of a future mortgage after the 6 years is up...
My wife has an account with Littlewoods and this was one of her creditors in her IVA, now completed. I had debts with the Co-operative bank, now my main bank, and also with Alliance and Leicester who I now have a business account with, both were creditors in my IVA. So the answer is no you will not forever be on a list that prevents you from using that creditor again
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