IVA fully off Register, Credit Reports (including Defaults) Jan 8th 2020. One of my Creditors was Barclays, if I am to apply for credit for a Laptop the credit is done by Barclays, will any of their internal records they keep stop me getting credit with them...?
Maybe .. maybe not. Depends on the individual creditors. I have a credit card with Halifax now, and my previous Halifax credit card, included in my IVA, was with Halifax. So some do re-lend to previous defaulters.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk
Use a card that does a soft search which does not impact on your credit record.
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
Lenders' processes are (surprisingly) actually often not that 'joined up'! It's no guarantee but I'd be inclined to give it a go - they can only say no! BTW No prizes for asking which team you support I don't suppose?